Motorbike Insurance Comparison
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Why You Need Motorbike Insurance
It is a legal requirement to have a motorbike insurance in place for any motorbike you own, even if you have it locked away in your garage. This is according to a regulation stipulated by the Continuous Insurance Enforcement (CIE).
The only exception whereby your motorbike can be left uninsured is when you notify the DVLA via a Statutory off Road Notice (SORN).
If you fail to acquire appropriate bike insurance, you risk incurring a fixed penalty fee of £100 in addition to your motorbike getting seized or crushed. In some instances, you could be charged with further court prosecution and be required to pay a fine of over £1000.
In order to save time and money, you should compare cheap motorbike insurance quotes that suit your budget. This article provides detailed information on the types of motorbike insurance available.
Motorbike Insurance FAQs
Types of Motorbike Insurance Cover
Whether you ride Sports, Classics, or Cruisers you can always Compare Cheap Motorbike Insurance Quotes to get the best that suits whatever it is that you ride.
Third-Party Only Motorbike Insurance
This is the least level of insurance that you can legally purchase. This insurance covers the cost of damage or injury to another person (third-party) alone. This motorbike insurance, however, does not provide cover for you in person.
Third-Party Fire and Theft Motorbike Insurance
Just like the third-party insurance, it covers the cost of damage or injury to another person. However, this bike insurance also covers for theft and damages done to your motorbike by fire.
Comprehensive Cover Motorbike Insurance
This is a complete level of insurance available to motorbike users. This motorbike insurance covers the cost of damages you incur. It also covers your motorbike even if you are at fault. And if a third party is involved it covers them too.
Fire and theft are also included in this Motorbike Insurance. So, if your motorbike is damaged by fire or stolen, the insurance would cover the cost. Normally, comprehensive motorbike insurance used to be very expensive but now you can get affordable covers when you compare Cheap Motorbike Insurance Quotes.
Compare Cheap Motorbike Insurance Quotes
The following tips would be beneficial in reducing your motorbike insurance quotes.
When you compare motorbike insurance, you will realize that the cost of the premium is lower when you install security devices on your bike. Insurance companies see this as a counter-measure, hence, reduce the cost of the cover.
Size of Engine
The bigger the size of your engine, the higher the cost. You should consider this when you get that Motorbike insurance. As they say, heavy is the head that wears the crow
More motorbike insurance information
Almost all motorbike insurance policies have key exclusions and they will be explained in your policy documents. Ensure that you thoroughly read your motorbike insurance policy documents to know what you’re not covered for before you choose your policy.
No Claims Bonus
This is a reward for people who do not make a claim on their motorbike insurance policy. This is not to be mistaken with a ‘no blame’ bonus (if it exists). This means that whether an accident is caused by you or not, you lose your no claim bonus when you make a claim.
An excess is the amount you’re liable to pay towards a claim. It could be compulsory or voluntary.
Compulsory excess is fixed by your motorbike insurance company. It is calculated based on the details you’ve provided your insurer with at the point of choosing a car insurance policy. It is normal to incur higher excesses when you are a young driver or with a high-value car. Cheap motorbike insurance quotes are, however, available for you to compare and choose from.
Voluntary excess is the amount you choose to pay towards the cost of a claim. It can help you reduce the price of your insurance. It is also paid on top of any compulsory excess you have.
ABI – Association of British Insurers – The Association of British Insurers is the leading trade association for insurers and providers of long term savings. … need to contact their insurer for a Green Card which they will need to carry on them if they wish to drive their vehicle in the EU.
BIBA – British Insurance Brokers’ Association – The British Insurance Brokers’ Association (BIBA) is the UK ‘s leading general insurance organisation.
BMF – The British Motorcyclists Federation is a very well respected and powerful lobbying group. It protects all of the UK’s motorcyclists from unnecessary interference by European, National, Local Government and anti-motorcycling campaign groups. The BMF is a member of many government advisory groups and also works in Europe to help British motorcyclists.
The BMF is also a fantastic community. Made up of individual members and motorcycle clubs, it provides support, advice and organises excellent events throughout the UK.
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