There are always the 'direct' impacts on the price of motorbike insurance. These include analyzing the:
- Age of the driver
- Sex of the driver
- Experience of driver
- Style of motorbike. For example, Road bike, sports bike etc.
- Engine output 'cc'
- Replacement price of the motorbike
However there are also some 'indirect' aspects that will help you save on motorbike insurance, which you may have just forgotten about. These are just a few:
- Completing a motorbike safety course. Some insurers offer this at their discretion, giving the opportunity to riders to improve their skills. If you successfully pass the course, demonstrating you are a safe rider, you will then be rewarded through a lower insurance premium. However, all insurers differ, and you must enquire each insurer whether they offer this.
- Depending on where your motorbike is stored overnight, may impact on your insurance premium. That is, if it is stored inside a locked garage, the premium should be lower!
- Do not forget, that just like any other insurance (home, contents, car etc.) you can bundle your motorbike insurance together with the same company, allowing you a further discount on the premium.
- Remember to not only compare different insurers, but also, use one company's quote as a bargaining tool when you talk to another insurer! See if they further reduce the premium to beat their competitor's offer..
Hope this brings an idea or two to your mind, and above all, ride safely..
Ryan
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