In the UK as part of Continuous Insurance Enforcement (CIE), it is now a legal requirement
for registered vehicle keepers to insure their motorbikes at all times. You don’t have to be driving to be caught. It
is an offence to keep a vehicle without insurance unless you have notified DVLA that your vehicle is being kept off the road
by means of a Statutory off Road Notice (SORN).
When choosing
motorcycle if you have invested in a recognised security system for your bike and your driving history indicates a careful
history and you have a good no claims bonus, your insurance premiums are likely to be lower. If though
you have a sports model that is popular with thieves, have previous accidents, or you are a recently qualified
or a young motorcyclist, your quote is likely to be higher than others.
If you have been involved in an incident where a third party has also been damaged and you are found to be at fault, a fully
comprehensive policy will cover the costs of both the damage sustained by you and by the third party (or parties). A third-party
only policy will only cover costs for the other party’s damages and not yours. Other benefits may include the cover
of repatriation of the motorbike from an EU country, payment of medical expenses following an accident, and no claims protection
options and discounts.
If you are looking to get
the cheapest quote things that will help are a history of no claims, advanced training, secure overnight garaging or parking,
restricted mileage per annum and approved motorcycle security systems. Female riders are also offered more competitive quotes
as well although under new European Laws from 01/01/2013 insurers will no longer be able to offer extra discounts based on
gender.
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AA
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The AA will find a great deal for you as they will get you the best price from a panel of over 10
insurers.
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If you're over 21 and have a full motorcycle licence you can take an advanced motorcycling test.
Tests are offered by organisations like the Institute of Advanced Motoring (IAM) and the Royal Society for the Prevention
of Accidents (RoSPA). The IAM's Advanced Motorcycling Test examines your ability to ride your motorcycle
safely in a variety of situations, like riding on motorways, country lanes and in city traffic. Insurers and brokers may offer
you a discount on your premium if you've passed this, or a similar, recognised, motorbike test.
