Motorcycle Insurance

Insuring your new bike is going to be something that you will soon realise is actually even more important than even buying your bike!

Why do I say this?

I say that buying motorcycle insurance is more important than even buying your bike because, without insurance, you cannot ride your bike at all! (well unless you're happy doing circles in your back garden fair enough!)

Motorcycle insurance is what is going to give you the freedom of the open road, yeah sure, you're bikes doing all the work, but get caught riding that shiny new thing by the police, or get into an accident without insurance and you're likely to be looking at 6 points on your licence (and you probably don't even have a full one yet!), the bike being confiscated and a hefty fine! Trust me, you don't want any of them!

So, be sensible and get your insurance sorted.

Buying and looking for motorcycle insurance is not as hard as you might think and is generally allot cheaper than insuring a car. And as we are looking at insuring our 125cc bikes, the price is going to be even less.

If you ask any biker what the best advice for getting your motorcycle or scooter insured is, they will pretty much all say the same thing, TAKE YOUR TIME & SHOP AROUND!

Honestly, do not rush and accept the first motorcycle insurance quote you get!
Truth is, if you look around long enough, that first quote that seemed so good, will probably be the worst you had!

Sure, use insurance comparison sites such as, Go Compare, Confused.com and money super market.com. They will give you a good idea of what sort of rice range you are looking at for your bike.

Once you've had a look at them start looking at insurers that specialise in bikes such as Carole Nash And my personal favourite, Lexham.

Getting insured and getting a good deal is going to depend upon a few factors:
Your age - Younger riders will pay more! (sorry guys, just the facts)
Where you live - Some areas are considered 'Less risky' by insurers and will therefore bring the cost down
Where you keep the bike - In a garage is probably the safest option and will bring your cost down. If you are parking on the road where there are more hazards and theft potential, expect price to go up. WARNING! Do not claim to have a garage, if you don't. If your bike is stolen from the road outside your house/ front drive etc and you make a claim, you may not get any pay out!
Level of cover - There are generally 3 levels of insurance cover:
Fully comprehensive - The highest level (Covers nearly every thing that can happen)
Third party-Fire and theft (TPFT) - Covers you in an accident, against fire of your bike and theft of it to
Third-party - Only covers you if you have an accident, so any fire, damage, theft etc, you get nothing (this is the cheapest option.

Personally I recommend the middle ground which is TPFT. It is usually bags cheaper than Full comp and still covers you against theft, which if we're honest very common with bikes, so you want some kind of cover.
Security - Get a Good chain! Some dealers will throw in a chain if you're nice (mine threw in a helmet and Chain actually!) Some insurers require that you have some kind of security before they will even insure you and may not even pay out if you say you do and actually you don't. So get some security such as, A good thick 'Secure Sold' chain and lock and if you can afford it an alarm or even a tracker.
These will all bring your costs down a bit.

Paying up-front - When you have found a quote you are happy with and are ready to buy, try (if you have the cash) to pay for the year all in one go. Reason being is, that of you opt for monthly payments, your insurance broker will charge you more for this method as they agree your payments with a loan company and you pay them the cost of the loan with interest! 'WHAT?!' I hear you say, yes it's true.
You will find that if you read the small print, or ask the advisor you speak to, you will find that often the company that insures you actually uses a third party insurer or sister company to cover you and charges you interest on making monthly payment because they really want their money up-front. So if you can, avoid this method. Personally, I still pay monthly. It costs about £30 more on your premium, but saves you having to weigh out £270 straight away.

Okay, I think that's the basics for insurance really.

We have put links to some insurers and comparison sites on the left for you check out.

Good Luck!