Buying motorcycle insurance from a specialist

By: Tom Heath

Although motorbike insurance is sometimes considered to beless competitive than car insurance.?Nevertheless, you will find that insurance premiums will vary from onecompany to the next. For this reason, you really do need to shop around inorder to get the best deal. You should consider using an online specialist sothat you can rest assured that you will get some of the lowest insurance ratesin the UK.

When the cost of your motorcycle insurance is being computed, there are certain factorsthat have to be taken into account.These factors include:

1. Your age is one of the biggest things that can increaseyour insurance's cost. Those who are under 30-years-old without much ridingexperience will pay a higher rate than those who are older or considered to bemore experienced. If you are a younger rider with a cheaper motorcycle, youshould consider choosing a third party fire and theft insurance instead of afully comprehensive policy.

2. The size of your motorcycle's engine is also an importantconsideration. You will pay more for insuring a motorcycle that has a higher CCrating. For this reason, younger riders on a tight budget should purchase aslow a rating as possible. If your heart is set on a big bike, you shouldconsider speaking to a specialist motorcycle broker, as they will usually havesome flexibility to take your unique circumstances into account.

3. Measures you take, as a motorcyclist to make it moredifficult for your motorcycle to be stolen will be taken into consideration. Sowhere you park your bike at your home and whether or not you use securitymeasures (i.e. a tracking device, ground anchor, alarm or a wheel lock willdefinitely lower the cost of your motorcycle insurance.

4. Your mileage will also be taken into consideration. Whenyou are making this calculation, you should not compare it with your car,especially if your motorcycle will be your second vehicle or you only plan onusing it during the summer months. This is important if you do not want tooverpay for motorcycle insurance that you do not need or will not use.

5. The way in which you plan to pay your insurance is alsogoing to affect the overall cost that you will pay. Some insurance companiesthat will allow you to pay via direct debit, which may seem easier on the costbut is actually more expensive. Most insurance companies will add interest tothe amount that you pay monthly thus boosting your cost, and covering the costof providing the credit.?? Therefore, thebest way in which to pay for your insurance is yearly as this will definitelyknock your cost down. However, you should look around and take all things intoconsideration before deciding upon how to pay your motorcycle insurance. Onceyou do make this decision, you should look at the key facts to see what willand will not be covered. This is another thing that variesBusiness Management Articles, so going through itwith a fine tooth comb before taking out a policy is important.

You definitely need to shop smartly and look around for thebest deal whenever it comes to motorcycle insurance.

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