How To Reduce Motorcycle Insurance

If you’re buying motorcycle insurance or renewing your policy, you’re probably wondering if it’s possible to save money on your cover. In this post we’ll list the factors that can affect the cost of cover, before discussing how you may be able to reduce your motorcycle insurance premiums.

What Affects Motorcycle Insurance?

• Your age: Insurers typically charge higher premiums to younger motorbike riders because their limited experience is seen as increasing the likelihood of accidents.
• Your record: If you have a clean riding record, then you will pay less for cover than someone with a few insurance claims or convictions on their record.
• Your ride: Larger and more powerful bikes tend to cost more to cover than smaller and less powerful bikes. This is for a number of reasons, but mainly it’s because you may be more likely to have an accident on a more powerful bike. If you do, there will likely be significant damages and hefty repair costs. Thieves may also be more likely to target flashier, more expensive bikes, too.
• Your security: You may be able to save money on cover if you take certain steps to protect your bike from theft.

How To Reduce Motorcycle Insurance Costs

• Secure your bike. Ideally, you should keep your bike in a locked garage, with CCTV coverage, automatic floodlights, and other advanced security systems. If this is not possible, try to park your bike somewhere well-lit with lots of shops or houses nearby, and invest in security features such as alarms, immobilisers, and extra strong locks.
• Think about the bike you ride. If you’re worried about the cost of cover, you could switch to a smaller and less powerful bike. Not only will this lower your insurance premiums, but it could also lead to lower fuel and other running costs.
• Take an advanced riding course. This will demonstrate to your insurer that you are committed to riding safely.
• Build up a no claim discount. This might not be so helpful if you’re new to riding, but it’s worth mentioning: if you build up a good riding record, with no claims or convictions, then most insurers will give you a no claims discount, as a sort of reward for years of safe and conscientious riding.

Finally, remember that not all insurers charge the same for cover. This is why it’s always worth comparing quotes when buying or renewing your motorcycle insurance. It’s also important to choose an insurer who specialises in covering motorcycles.

How Sabre Direct Can Help You Save Money on Motorcycle Insurance

At Sabre Direct, we understand your unique cover requirements as a motorcyclist. No matter how old you are, and no matter what sort of riding record you have, we’ll help you get the dedicated cover you need.

Get a quick quote and find the right insurance for your ride today –  compare motorbike insurance options.