Motorcycle Insurance

Introduction

Machine - Is it the latest ultimate sports bike or a 125cc commuter. Age - Generally the older you are, the cheaper it gets, but if you’re a ‘born again biker’ you may be considered a higher risk Location - Sleepy village or busy city, will make a huge difference.  They'll also consider the security of the storage. Convictions - Points don't mean prizes, although now very common, the more you've got, the more you'll have to pay. Accidents - Insurance companies will pay attentions to the number of accidents you've had (fault and non fault). Use & Cover - Social and domestic or Business use, makes a difference, as will your annual mileage and the cover you need. Occupation & Demographic - Insurance companies keep statistics on this, so you may be classed as having a high risk job.

Quck  Guide Sample Quotes Getting a Good Deal Dealing with Accidents On-line Quote

Sample Quotes

The following quotes are from a survey which aims to find out what people are paying and who is offering the best deals.

Make	Model	Group	Value	Age	Post Code	NCD	YOB	Pts	Type	Cost	Insurer	Comments	Date
BMW	K1200RS	16	£8,000	29	CB6	5	5	0	Comp	£380	BMW Insurance	none	Apr-00
BMW	R1150GS	13	£7,000	34	UB10	MAX	17	9	Comp	£361	BMW Insurance	IAM done in 1986	Apr-00
Ducati	748 BP		£6,000	25	?	MAX	7	0	Comp	£590	Torview Insurance	none	Apr-00
Ducati	900ss		£4,000	30	TS17	1	4	0	TPFT	£360	Motorcycle Direct	none	Apr-00
Honda	CBR1100XX			36	DD10				Comp	£380	Norwich Union	European driving licence	Apr-00
Honda	CBR600		£4,000	36	SN7	1	1	0	Comp	£319	TeleBikes	Female	May-00
Honda	VFR400 NC30		£1,500	24	LE2	1	1	0	TPFT	£342	cc direct, import specialists	none	Apr-00
Honda	VTR1000F	14	£3,500	29	CV21	4	4	0	TPFT	£176	Highway (via Carole Nash)	One non Fault Accident	Apr-00
Honda	VTR1000F	14	£3,800	34	SW12	3	6	0	TPFT	£340	Motorcycle Direct	BMF member Discount	Apr-00
Kawasaki	GPZ500s	9		31	LU26	0	0	0	TPFT	£201	TeleBikes	Free legal cover	Apr-00
Kawasaki	GPZ500s	9		21	HP27	0	0	0	TPFT	£620	ChoiceQuate	Datatag, spyball	Apr-00
Kawasaki	ZZR600	11	£3,600	31	Ykshr	2	0	0	Comp	£306	Equity Red Star	£500 excess	Apr-00
Suzuki	GS500E		£1,000	23	LE2	0	0	0	TPFT	£300	Westhill (via Topbikes)	none	Apr-99
Suzuki	GSF600S	11	£4,100	29	TW8	0	0	0	Comp	£870	Norwich Union	none	Apr-00
Suzuki	GSX600FW	11	£2,600	28	KT22	0	0	5	TPFT	£360	Highway (via Carole Nash)	Garraged, free breakdown and legal cover	Apr-00
Suzuki	GSX600FW	11	£3,600	24	G3	0	0	0	Comp	£976	Bikesure	none	Apr-00
Suzuki	GSXR1100WR		£3,000	24	EX34	1	7	3	TPO	£550	Carole Nash	none	Apr-00
Suzuki	GSXR600W	16	?	46	?	2	2	0	Comp	£270	?	none	Apr-00
Suzuki	GSXR600W	16		26	PE11	4	4	3	TPFT	£360	Torview Insurance	none	Apr-00
Suzuki	GSXR750WT	16		29	SG19	1	1	0	Comp	£650	???	none	Apr-00
Suzuki	SV650s	10	£4,100	21	?	0	0	0	Comp	£720	Albingia	£250 Excess	Apr-00
Triumph	TT600	16	£7,000	32	S17	1	2	0	Comp	£520	Hastings Direct	none	Apr-00
Yamaha	XV535	8	£3,000	29	KT22	0	0	0	TPFT	£210	?	Female 33Bhp licence	May-00
Yamaha	XV535	8	£3,000	29	E17	0	0	0	TPFT	£430	?	Female 33Bhp licence	May-00
Yamaha	YZF R6	15	£6,500	27	GU3	0	1	0	Comp	£1,050	Tomlinson	Female	Apr-00
Suzuki	GSX600F	11	£2,000	30	KT22	3	3	0	Comp	£306	Chaucer	IAM, Garraged 4000 annual miles	Jul-02
Triumph	Sprint 955i RS	14	£5,000	30	KT22	3	3	0	Comp	£349	Chaucer	IAM, Garraged 4000 annual miles	Jul-02
Triumph	Sprint 955i ST	14	£5,000	30	KT22	3	3	0	Comp	£349	Chaucer	IAM, Garraged 4000 annual miles	Jul-02
Triumph	Sprint 955i ST	14	£7,000	30	KT22	3	3	0	Comp	£391	Bennetts	IAM, Garraged 5000 annual miles Datatool alarm	Sep-02
Triumph	Sprint 955i ST	14	£6,500	31	KT22	4	4		Comp	£497	Bennetts	IAM, Garraged 5000 annual miles Datatool alarm	Sep-03
Triumph	Sprint 955i ST	14	£6,500	31	KT22	4	4	0	Comp	£482	Carol Nash	IAM, Garraged 5000 annual miles Datatool alarm	Sep-03
Kawasaki	ZX6R	14	£4,000	30	KT22	3	3	0	Comp	£587	Zenith Insurance	IAM, Garraged 4000 annual miles	Jul-02
Suzuki	GSXR600	14	£4,000	30	KT22	3	3	0	Comp	£606		IAM, Garraged 4000 annual miles	Jul-02
Honda	VFR800FI	14	£4,000	30	KT22	3	3	0	Comp	£665	Group AMA General	IAM, Garraged 4000 annual miles	Jul-02
Honda	CBR 600 F Sport	14	£4,000	30	KT22	3	3	0	Comp	£674	Hastings Insurance Services	IAM, Garraged 4000 annual miles	Jul-02
Honda	VTR 1000 F	14	£4,000	30	KT22	3	3	0	Comp	£737	Norwich Union	IAM, Garraged 4000 annual miles	Jul-02
Triumph	Daytona 955i	15	£5,000	30	KT22	3	3	0	Comp	£768	Group AMA General	IAM, Garraged 4000 annual miles	Jul-02
Suzuki	TLR1000R	16	£4,000	30	KT22	3	3	0	Comp	£775	Norwich Union	IAM, Garraged 4000 annual miles	Jul-02
Ducati	916 Senna	17	£8,000	30	KT22	3	3	0	Comp	£1,068	?	IAM, Garraged 4000 annual miles	Jul-02
Honda	CBR 900 RR	17	£4,000	30	KT22	3	3	0	Comp	£1,196	Zenith Insurance	IAM, Garraged 4000 annual miles	Jul-02

To get your quote listed email your details - the more quotes, the easier it will be to compare prices.

Getting a Good Deal

Here are our top tips for getting a good deal.


• Shop around & Compare prices - the more companies you phone, the better chance you have, that they’ll beet you best offer. When quoting your best deal, reduce it by 5 - 10% to see if it can be matched.  Don't necessarily opt for the cheapest, but compare like for like (e.g. does it include legal cover, road side assistance European travel etc.)
• Security - Ask yourself what can you do to secure your bike, is it alarmed, data tagged, locked in a garage or secured to a ground anchor? All this will help reduce the quote.
• Value -  Don't over insure, you'll only get the market value of your bike no matter what you insure it for.  Ask yourself if you can afford to loose your investment, if so, you could save by opting for 3rd party, fire and theft cover.  However, if you go for third party make sure you get legal cover to help you recover any uninsured losses.
• Limited mileage or solo only - If you keep your annual mileage low or are prepared not to carry pillion passengers, this can reduce your premium.
• Membership and Training - If you have had advanced training, like IAM or RoSPA, then you may be able to get a discount.  Also some motorcycle organisations have negotiated discounts for members, so it worth checking before you accept a quote.
• Be Honest! - It is an offence if you lie, in order to obtain a cheaper quote and in any case they wont pay out if you make a claim.  Insurance companies wont check your details to much, when you take the cover out, but will if you claim.

1st Quote - 0870 4444060 Adrian Flux - 08700 777 888 Ashbourne - 01992 622365 AVIS - 01543 491979 Bennetts - 0800 056 3843  Bike Line  - 0800 298 2740 Bikesure - 08700 771377 Biketeam Direct - 0870 8977733 Bikewise - 01296 334425 Bridge - 01392 260300 Budget Insurance - 0800 096 8374 Carole Nash - 0800 298 5500  Carter Gilbrook - 0870 7519 999 CC Direct - 0870 90 90 789 Choicequote - 0151 221 5454 CIA - 0870 444 2 777 Cofield - 0800 2945 666 Devitt DA Direct - 0800 200 369 Dial Direct - 0800 068 8002 Dyer & Holmes - 01622 747121

Elite - 0870 600 6061 Fernet - 0870 6000 040 GTI - 0191 297 0660 H & R - 0845 130 2800 Hastings - 0800 11 1066 Insurance Line - 0800 298 3766 Insurance Shop - 01296 481116 Insurance-at.co.uk - 0845 1212056 Insure - 08706 000 040 Insuremybike.com - 0870 241 2348 Lancaster - 01480 484814 Laxton - 0800 0830900 M Direct (BMF) - 0870 1600444 MAG - 0870 444 2 555 MC Edwards - 01933 234 804 MCE - 0870 90 90 996 Mitchell & Partners - 0207 272 7661 Motorcycle Direct - 0870 755 8250 Pegasus - 08708 730 800 Performance Bikes Insurance  - 0870 366 6665 Performance Direct - 0870 870 4822

Profile - 0800 0285343 PS - 0800 064 4404 Quoteline - 0800 692 7030 RAC Direct - 0800 085 3107 Rampdale - 0870 444 6125 Revolution - 0800 068 3083 Rider Direct - 0870 9000 959 Riders Choice - 0800 107 2748 Ridesure - 0800 138 2030 Roadsure - 0845 602 1200 Scooter Direct - 0800 096 8359 Street Machine - 0845 601 0208 Telebikes - 08705 673053 Top Bike - 07000 327822 Torview - 0800 195 9551 Twist Grip Insurance - 0800 093 2234 Vauntage - 0800 089 0081 West Hill Ins - 0208 301 4466 Winners Direct - 0870 774 9555 Yamaha Link - 01883 834521

Need an On-line Bike insureance quote? Click here Need a good deal on other insurance products? Click here

Save yourself a few quid, by starting with the Free-Phone companies first! = Used and recommended

Dealing with Accidents

• You must exchange your details if there is damage to either vehicle.  Try to get name, address, telephone number, - but most importantly get the registration number, make, model and colour of the car.
• Try to get details of witnesses who may have seen the accident.
• If someone is injured, you must notify the police, if you are injured, you should either visit your Doctor or go to Hospital for a check up.  Failure to do this will limit any personal injury claim that you may later wish to make.
• Do not admit liability, even if it is obvious that you were in the wrong.  Don't accuse or be rude, if you are courteous and polite, they’ll be less likely to lie in their statement.
• Don't accept a payment at the scene - you may not fully appreciate the cost of repair.

Collecting Evidence

It will help if you collect as much information about the scene, damage and injuries sustained.  Obviously, you can't easily carry a camera, but it may be worth returning to the scene later.
 

Evidence Collection Kit Keep a pen, pencil, some paper and a disposable camera in a waterproof bag under your seat.  In the event of an accident you'll be able to take pictures of damage, road layouts etc.  A copy of the high way code can also help resolve any disputes.

You should collect details of: Road names, direction, road signs and speed limits Condition of the other vehicle, weather and road conditions. Take pictures of: Any injuries you sustained, damage to your bike, clothing etc. Keep receipts for: Repairs, expenses and a log of all dialogue with insurers and 3rd parties. If you obtained details of witnesses, don't forget to contact them (the same day if possible) you need to identify what they saw, where they were and importantly who's fault it was.  Don't argue with them, be friendly and polite, even if they thought you were to blame.  You can then identify who is your best witness from their version of events.

Completing Your Claim Statement

Your statement needs to tell your insurer what happened, who was in the wrong, how the accident could or could not have been avoided.  Always state the lane, speed and direction you were going and the position of the other vehicle when you first noticed it, estimate their speed if necessary.  Did you have your lights on? Did you have any high visibility clothing? Did you flash, sound your horn or indicate. Clearly state the actions of the other motorist.  State if you think they could see you.  If it was their fault say what they did wrong.  Did they indicate in anyway.  Did they admit liability.

Try to include a diagram if it helps clarify the situation.

Road Surface Problems

If you've had a spill for no apparent reason and no other vehicle was involved, it may well be due to poor road surface.  Pot holes, gravel, sand and diesel spills are major causes of motorcycle accidents, but don't despair, you could get your bike fixed without claiming on your insurance.  Your local council is responsible for maintaining the roads.  If you suffer loss or damage as a result of poor surfaces, you may be able to claim compensation.  Some authorities take the irresponsible attitude of paying out claims rather than fixing the roads, as many people don't bother claiming.  You’ll need to collect evidence of the fault and show receipts for repairs etc.  Be sure to act quickly as you may find your evidence gets swept up.