Cheapest Motorbike Insurance
Cheapest Motorbike Insurance
Finding the right bike insurance with appropriate cover at an affordable price can be a time consuming and frustrating task. The markets are full of insurance companies offering different kinds of policies but finding effective and cheap bike insurance requires patience and effort.
Before buying a motorbike insurance policy, you should ensure that you understand the various factors that can affect the policy premium. Monthly premiums usually depend on factors such as:
- Riding experience
- Rider’s age
- Bike’s value
- Bike’s engine size
- Type of bike such as touring, sport or cruiser
- Driving records
- Â Previous claims
- The area in which you reside
- Commute
- And last but not least, training.
Motorcycle safety training is usually taken into consideration when determining the premium of a motorcycle insurance policy. A rider training course not only teaches you the safe and skillful operation of the bike but also allows you to get hold of cheaper bike insurance. In fact a bike necessitates much more coordination and skill while being operated, in comparison to a car. Bike fatalities are also much higher in number hence insurance companies encourage motorcycle safety training by providing special discounts on premium rates to those who have successfully completed special training.
Bike insurance policies usually cover:
- Liabilities in the accident including damage caused to others
- Bodily harm and injuries to the passengers of the bike
- Medical expenses involved after the accident
- Expenses associated with replacements or repairs in the motorcycle
- Damages caused by theft, vandalism and fire
Motorcycle insurance policies can also provide protection against drivers that have no or insufficient insurance.
Car insurance for occasional use?
My question is this…
I want to get a motorbike so that I use my car less often (a bike is cheaper to run). Are there any companies (in England, UK) who offer car insurance for occasional use only (‘pay-per-use’ style??)?
I would like to commute to work each day on my motorbike and only use the car once a fortnight. This would be good for my pocket (what with the “credit crunch” effecting our lives) and also good for the environment (less fuel used).
Ideally, I would only use a motorbike, but really do have to keep the 4 wheeled alternative as I have my 2 daughters once a fortnight.
Could anyone please help me answer this question. It would be very much appreciated!! Any other suggestions you could offer would also be appreciated!
Thank you!
norwich union do a “pay as you go one” I looked into that.
BUT it’s for cars.. doubt they do it for bikes.. and you have to get something fitted to the car to keep a track of your mileage.
it has to be a certain age car though..
admiral was pretty good for my insurance this year though.
Dancing Drunk
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