Insurance – keep your costs down

Insuring your motorcycle or scooter can seem expensive, especially if you’re a new rider or coming back to two wheels after a long break. Here are our top tips for keeping those premiums low:

1.    Start with a smaller bike or scooter. Insurance companies prefer to see a novice on something less powerful while they make their beginners’ mistakes.

2.    Go for a low insurance group. Lower numbers in the insurance group ladder generally do mean smaller engines, but shopping around can find you a model that will handle motorways in insurance group 10 or under.

3.    Accept a higher voluntary excess. If you do have to claim, it will cost you more, but it does keep premiums down.

4.    Get a good lock, an alarm or an immobiliser that’s either fitted by the manufacturer or approved by Thatcham or an equivalent body. And use it!

5.    Keep your motorbike or scooter parked off road at night, preferably inside a garage. Even putting it in the front garden will save you money.

6.    Consider taking extra training. The reduction in your premium might cover the cost, and you’ll feel more confident and get more out of your riding.

7.    If you only plan to ride a few hundred miles each year, tell your insurers so when getting quotes. And if it’s only for social and commuting to work or college, make sure they know that too.

8.    Refrain from modifying your motorcycle with high-performance parts. Too many improvements and your premiums may go up.

9.    Build your no-claims bonus. After a few years, that could knock 70% off your premiums.

10.    Be female. I know, it’s a drastic step if you weren’t born in the less accident-prone half of the human race, but think how much lower your premiums will be!