What to Consider before Buying Motorcycle Insurance

If you have recently bought a new motorcycle, you’ll want to get it insured. Here are a few things to consider before you go ahead and do that.

Have you improved your motorcycling skills?

Before you buy your motorcycle insurance, you’ll want to make sure that you’ve got a strong knowledge of how to use your motorcycle safely. Taking a safety awareness course and a motorcycle assessment will show your insurance that you know what you are doing and it might help bring the price down a bit. 

Make sure that you secure your motorcycle

Have you got a secure place to keep your motorcycle? If your bike is going to be left outside your house on a busy street or somewhere where you can’t always keep an eye on it, it might be worth getting motorcycle insurance that covers against theft, just in case.

The more secure you can make your motorcycle, the better. Try fitting disc locks and steering locks as well as an alarm and camera system that can connect to your phone so that you can be alerted if your bike is being moved without your permission, and find out who by. This way, if you do need to make an insurance claim, you’ll hopefully have some footage of the culprit to help with the investigation.

Ensure your bike is safe 

Make sure that the bike you have purchased is safe and roadworthy, and that its previous owners haven’t abused it. Also check the mileage and if it’s a significant amount, be sure to get it serviced so that you know it’s in good working order. Insurance companies will be less likely to insure a bike that has been treated badly for a fair price as they know there will probably be faults with it. So, you might end up paying out a lot more than you had originally hoped. 

Look around for quotes

Don’t just settle for the first offer you receive. Explore comparison websites to find the best quote for your bike, and always ask as many questions as you need to beforehand to ensure that you know exactly what is included in your cover. 

Think carefully about what you need and what you don’t, as sometimes you might receive additional add-ons to your insurance that you will actually never benefit from. Also, if you already have another bike, you could benefit from getting multi-bike insurance to cover both of them at once. Be sure to take your time and decide carefully on what to do, as your insurer could end up being with you for a long time.