Cheap motor bike insurance -
How to get it

OK – you’ve decided on the scooter you want to buy, but where will you find cheap motor bike insurance? First step would be to ask family, friends or colleagues where they bought their insurance and if they are happy with the service. Shop around on the internet and have a look in bike magazines. There are plenty of insurers which specialize in motor bikes and scooters.

The quote you will receive is going to depend on

• The value and model of your scooter
• Your license and experience
• Your no-claims-bonus (NCB)
• How old you are
• Fully comprehensive or fire, theft and 3rd party insurance
• If fully comp, how much excess do you want to agree?
• How many miles will ride approximately per year?
• Where will you store your bike over night?
• Will you use it for commuting or only for your leisure?
• Has the scooter security devices fitted?
• Your post code

There a few simple rules to observe to find cheap motor bike insurance:

• Never (ever ever!!!) accept the first quote. Phone around and get some quotes on the internet
• Buy online if you feel the price is right. Most insurers charge more for the same policy over the phone. At the same time, even if you’re buying online, phone the company up and ask them about everything you feel unsure about
• Don’t lie on an application form, most insurers and brokers swap information. It’s embarrassing and it might results in you not having any cover, even though you’re paying for the insurance

What can I do get cheap motor bike insurance in the future?

• Build up a no-claims-history
• Do your full motorcycle license and/or advanced rider courses (ask you local motorcycle school for options?)
• Add security devices to your scooter
• Pay annually, not in installments
• Re-negotiate on a regular basis. Don’t just renew without shopping around. Any positive change in your circumstances will potentially have an effect on the premium you’ll pay.

For all of the above call your current insurer and ask!

Just to bring things into perspective for you :
I am a female rider, 31 years old, 0 NCB, only have my CBT (Compulsory Basic Training) as rider qualification. I’ve held my car license for 13 years, I have an SP30 on my license and I’m a Johnny-Foreigner (from Germany, exchanged my old license for the UK equivalent a year ago). We agreed an annual mileage of 5000 and commuter- as well as leisure-use. The bike I insured is a brand-new Vespa LX125. I pay 350,- per year for fully comprehensive cover with £300 excess with Trophy Motorcycle insurance. I hope that by not claiming, passing my motorcycle license and storing the scooter in a garage over night rather than on the road, that me too I will get cheap motor bike insurance at some point! Would I insure with them again? No, they charged me an “admin fee” of £15, - when I had to change my address, even though I was significantly reducing the risk of theft by moving to a property with a garage, rather than keeping the bike on the road over night.

My boyfriend, Zack (Who’s Zack?) ,is with Hastings Direct and he pays £128, - per year (that’s what I call cheap motor bike insurance!!!), fully comprehensive with £350,- excess. He’s 40 and held his full license for over 10 years. He has years of no claims and more experience, but this is probably as cheap as it gets.

Prices may vary for a number of reasons. The only way to find out is to phone the companies and ask.

Zack says: When asking for a quote the sales person is likely to ask you if you have already been given a quote by another company. Confirm and give them a figure you made up. Make it as cheap as you think is reasonable (do some research beforehand though). This is the only time I’d recommend you to lie.

Good luck buying cheap motor bike insurance!