Top 10 tips for cheaper motorcycle insurance

You don't need to keep it in a nuclear bunker overnight or have a £3000 excess to keep your insurance premiums down

Posted: 14 July 2011
by Ben Cope


10. Advanced Riding

Obviously, more training is a great way of improving your riding but it can also help lower your insurance premiums. Advanced Police Motorcycle training, the BMF's Blue Riband advanced rider course, the DSA Examiner's Motorcycle Test, RoSPA or the Enhanced Rider Scheme can cut your premiums by as much as 20%.


9. Use a comparison website

Don't just take the first quote that comes your way. If you call your insurer while staring at your bike sitting on the driveway on a nice sunny day, you'll probably take the first quote you're given. Comparison websites not only offer you a quote from multiple brokers and insurance companies but they also enable you to tweak your requirement to get the cheapest deal.

If your bike is currently insured, you can use comparison websites to haggle with your current insurer to see if they'll reduce their renewal quote.


8. Ride Solo

We all know motorcycles were meant to be ridden solo, so if you never take a pillion, tell your insurer as this can help reduce your premium. However, if you opt out of pillion cover, don't be tempted to take one. Not only is it illegal, but your insurance would be invalid in the event of an accident.

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Discuss this story

the IAM Advanced Rider programme is not listed with the other Advanced Rider programmes... which is a shame ,, hopefully an oversight ?

Regards

Colin Paterson

IAM


Posted: 21/11/2010 at 21:37

I was with MCE but changed to Aviva after I recived a renewal letter from MCE (no quote with it)and had to ring them to find out what it would cost (somebody changed the rules I was told). It was about £290 (CBF600SA)with a £1000 excess! I do about 15000 miles a year, no accidents, etc. Then MCE started asking what modifications there were - touring screen, engine bars, heated grips; 'any stickers?' they ask; apparently I now needed a separate 'modifications schedule'. I'd had enough. The premium with Aviva is £540 but no ridiculous conditions and an xs of £175 - straightforward.

Posted: 28/04/2013 at 11:48

I believe it is not illegal to carry a pillion without pillion cover. What it would mean is that they are not an insured risk and therefore you are liable for any injuries to the pillion in the event of an accident.

I'm not sure whether your insurance have to pay out as the pillion is a 3rd party and then reclaim it off the policy holder or whether they would not pay out an the pillion would have to sue you directly.

Posted: 02/05/2013 at 10:10

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