About The Bike Insurer
The Bike Insurer is a leading insurance comparison website specializing in motorbike insurance. With over 17 years of experience, The Bike Insurer has helped hundreds of thousands of UK riders find the right coverage at affordable prices. Whether you're a sports bike enthusiast, a courier, or in need of temporary insurance, The Bike Insurer's comprehensive panel of insurers can provide quotations to help you find the best deal possible.
Motorbike insurance is a crucial protection for riders that helps cover theft, damage, and accidents involving other road users. Depending on the policy you choose, you can receive coverage for accident repairs, liabilities to the public, injuries sustained in an accident, and even legal protection. The Bike Insurer's price comparison services ensure that you can find the right level of coverage at an affordable price.
How Much is Motorbike Insurance?
According to data from The Bike Insurer, 51% of customers using their price comparison services paid £222.94 or less for their motorbike insurance between January 2023 and March 2023. However, the cost of motorbike insurance varies based on factors such as annual mileage, engine size, security measures, job requirements, claims history, and the age of the rider. The Bike Insurer provides a platform to compare quotes from 37 insurers, helping you find the most competitive rates.
Factors Affecting the Cost of Motorbike Insurance
|Keeping your annual mileage low can result in a cheaper premium quote.
|Smaller motorbikes with less powerful engines are generally cheaper to insure.
|Properly fitted security devices and storing your bike in a secure location can lower premiums.
|Certain professions, like couriers, may result in higher insurance premiums.
|A history of insurance claims may increase the risk perception of insurers.
|Youthful riders typically face higher insurance premiums due to less experience on the roads.
Types of Motorbike Insurance
In the UK, there are three main types of standard motorcycle insurance:
1. Comprehensive Insurance:
This provides coverage for accident repairs, liabilities to the public, theft, and fire damage.
2. Third-Party, Fire and Theft (TPFT) Insurance:
In addition to coverage provided by third-party only (TPO) insurance, TPFT insurance also covers your bike if it is stolen or damaged by fire.
3. Third-Party Only (TPO) Insurance:
This is the minimum legal requirement in the UK and covers damage or injury to another person or their property if you cause an accident.
Why Choose The Bike Insurer?
The Bike Insurer separates itself from the competition through its commitment to customer-centric service and impartiality. With a 4.7 rating and 95% of reviewers recommending the company, The Bike Insurer has built a reputation for providing excellent service and competitive quotes. By comparing quotes from 37 insurers, The Bike Insurer ensures that you have the widest range of options at your fingertips, allowing you to make an informed decision based on your unique needs.
Additional Insurance Options
The Bike Insurer offers a range of additional insurance options to tailor your policy to your specific needs:
- Legal Protection: Covers legal costs in the event of an accident
- Helmet and Leathers Cover: Insures your protective clothing
- Motorcycle Breakdown Cover: Provides assistance if you break down
- Personal Accident Cover: Provides compensation for serious injuries or accidental death
- Key Cover: Replaces lost or stolen keys
- Pillion Cover: Provides coverage for carrying passengers
- Protected No Claims: Protects your no-claims bonus
- European Travel Cover: Extends coverage to European countries
- International Cover: Extends coverage for international travel
Tips for Cheaper Motorbike Insurance
To reduce the cost of your motorbike insurance, consider the following:
- Compare Quotes: Shop around for the best quotes to ensure you're getting the most competitive rates.
- Pay Annually: Paying for your insurance in a lump sum can save you money by avoiding monthly interest charges.
- Build No-Claims History: Maintain consecutive years of claim-free riding to qualify for a no-claims discount.
- Reduce Annual Mileage: Keeping your mileage down can lower the risk perception of insurers.
- Increase Voluntary Excess: Consider increasing the amount you're willing to pay towards a claim to reduce premiums.
- Avoid Modifications: Performance-enhancing or cosmetic modifications can increase premiums.
- Improve Security: Installing security devices and storing your bike in a secure location can lead to lower premiums.
- Choose the Right Bike: Smaller bikes with less powerful engines are generally cheaper to insure.
- Review Policy Extras: Consider whether you really need optional extras and avoid unnecessary costs.
- Take a Motorbike Training Course: Enhancing your riding skills can result in lower insurance premiums.
How Motorbike Insurance Comparison Works
Comparing motorbike insurance quotes with The Bike Insurer is a simple process:
- Provide Details: Tell The Bike Insurer about yourself and the bike you want to insure.
- Instant Quotes: Get instant quotes from a panel of top UK insurers.
- Choose the Policy: Select the policy that suits your needs and budget.
- Buy and Go: Purchase your chosen policy and hit the road!
Frequently Asked Questions
The Bike Insurer provides answers to common questions about motorbike insurance:
- Can I ride my bike abroad? - Yes, but ensure that your insurance coverage extends to the countries you'll be travelling through.
- Can I use the no claims I’ve built up on a car for my motorbike insurance? - Some insurers may consider your car's no-claims discount when providing a motorbike insurance quote.
- Does motorbike insurance cover wheel damage or punctures? - Standard motorbike insurance policies usually do not cover wheel damage or punctures, but additional coverage options may be available.
- Can I insure a motorbike without a licence in the UK? - No, a valid licence is required to insure a motorbike in the UK.
For more information and to get a quote, visit The Bike Insurer's website today!