Finding The Cheapest UK Motorcycle Insurance
Motorcycle enthusiasts know that there is nothing quite like the feeling of wind in your hair as you ride down the open road. However, before you can enjoy that thrill, you must find motorcycle insurance that fits your budget.
Although the cheapest is not always the best option, the insurance cost is an essential factor to consider. The good news is that we all want the cheapest motorcycle insurance available, and you can find affordable motorcycle insurance in the UK if you know where to look, what to look, and when to look.
What Should Be Included In Your Motorcycle Insurance?
Have you read the fine print, checked the policy, and what is included and excluded? You should make sure that you know exactly what you are getting for your money before you commit to a policy.
Look for motorcycle insurance policies such as Third Party Only (TPO), Third Party Fire and Theft (TPFT) & Comprehensive, which provide coverage in an accident with another vehicle. Look at the amount of excess you can expect to pay in the case of an accident, if breakdown assistance or theft cover is provided, and whether it covers riding abroad.
- Third-Party Only
This is the most basic and cheapest level of insurance available. It provides coverage in a collision with another vehicle but does not cover your damage. For instance, if you were to crash into a wall and destroy your bike, then you would not be covered.
- Third-Party Fire and Theft
This is slightly more expensive than Third Party Only cover but protects against any damage caused by fire or theft and coverage in the case of a collision with another vehicle. For instance, if your bike were stolen and never recovered, then you would be covered.
- Comprehensive
This type of insurance provides full protection for yourself, other vehicles, property damage, and legal liabilities; at an additional cost, it may also include windscreen repair, breakdown assistance, or riding abroad.
If you are involved in an accident, comprehensive cover will provide coverage for the repair or replacement of your vehicle and any other costs incurred.
When Should You Look For Motorcycle Insurance?
Shop around and compare quotes before you purchase motorcycle insurance. The best time to look for a new policy is at least one month before your existing policy expires so that you can shop around and find the best deal without being rushed.
You can use online comparison sites to help you find the cheapest UK motorcycle insurance available. It’s important to remember that additional costs may be associated with specific policies, such as breakdown assistance or extras like windscreen protection.
Make sure you factor all these costs into your budget before you commit to any policy.
Things worth checking in your policy are:
- The amount of excess you can expect to pay in the case of an accident.
- Whether breakdown assistance or theft cover is provided.
- If it covers riding abroad.
- Any additional costs associated with specific policies, such as breakdown assistance or extras like windscreen protection.
Where Should I Get Motorcycle Insurance?
When looking for motorcycle insurance, shop around and compare prices from various insurers. Many companies offer discounts depending on factors such as age, type of bike, security features fitted, etc., so look out for these.
If you accept the additional risk, you can save money by opting for a higher excess. Adding an experienced rider to your policy as a named driver may reduce your premium further.
Essential factors to consider with an insurance company include:
- Customer service
- Reputation and experience in the motorcycle industry
- Claims process
- Financial stability
It is also worth looking into reviews to see how customers rate their services and make sure you ask any questions before committing to a policy.
The Benefits Of Having An Insurance When Riding Your Motorcycle
A motorcycle insurance policy gives you peace of mind knowing that if the worst happens and you are involved in an accident, your bike and yourself are covered.
It is also a legal requirement to have motorbike insurance, so it’s essential to make sure you choose the right policy for your needs.
Whether you’re a seasonal driver, riding the countryside during the weekend, riding to work or racing on the track, having motorcycle insurance safeguards you and your bike from any unexpected costs.
Like most of us, saving extra bucks is always welcome, and finding the right motorcycle insurance policy can be a great way to do that.
Final Words
Finding the best value for money when it comes to UK motorcycle insurance can be daunting, but with so many providers out there, you’re sure to find one that fits your needs and budget.
Remember to shop around and compare quotes before committing to a policy, as this will help ensure you get the best coverage for your needs at an affordable price. Additionally, select a reputable insurer with good customer service and a claims process in place.
