Motorbike insurance can be third party fire and theft or comprehensive cover and is a legal requirement. You find that motorcycle usage is far less predictable than car insurance where some owners use their bikes for their daily commute whereas others ride them only for pleasure on occasion. The usual trend of older drivers being less of a risk is not always the case either as there many older motorcyclists reliving their youth on fast bikes leading to higher motorbike accident rates. As a result, the insurance industry is not prolific in offering a wide range of motorbike insurance policies. Indeed you may find that some insures will not insure your motorbike unless you have a significant number of claim free years riding and or you have attained advanced riding qualifications. Motorbike insurance is a maze for the uninitiated and the premium costs for motorbikes often don’t makes sense. To achieve what most of us would regards as sensible motorbike insurance premiums then there is no shortcut. The optimum route to low cost bike insurance is to gradually build up years of claim free history through careful riding where you take all the security options available. Make sure you shop around annually to make sure you are paying the lowest motorbike insurance premium at any given time
The opinions expressed are those of the author only. The material is for general information only and does not constitute legal, financial or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation by an FSA authorised company where the market is FSA regulated.