Fun, freedom and fantastic are words that spring to mind when it comes to motor biking! Motorbike insurance might not be so fun – yet it’s a legal requirement so your two wheels can have freedom on the road. Tesco Compare is pleased to introduce you to The Bike Insurer which can help you find and compare quotes which are right for you.

Things to bear in mind...

1. Modifications
   Riders who ride a bike that has been adapted or ’suped up’ can consider looking for modified bike insurance. Bikers who modify their machines and don’t tell their insurer of the changes may find their policy is invalid in the event of a claim.

 

2. Cutting edge quotes
   Does the quote take into account latest circumstances such as no claims discounts or driving convictions that may have come off a licence, or an address change? Riders with a clean(er) licence and those who live in a safer area could benefit from a cheaper bike insurance quote than in previous years.

 

3. Voluntary excess
   Insurers often specify a compulsory amount (compulsory excess), but riders have the opportunity to lower their premium by choosing to pay an additional voluntary excess. However, when a claim is settled by an insurer, riders would have to pay the combined compulsory and voluntary excess.

 

4. Cheap, not nasty?
   Does the bike insurance policy just cover the bare basics? Some insurers offer their lowest quote on the basis that extra features can be added on at a later stage. This could increase the overall premium.

 

5. Safe lock and key
   Motorbikes are prime targets for theives, especially expensive ones! Fitting approved security devices such as locks, chains and alarms can reduce bike insurance premiums, according to the Motor Insurance Research Repair Centre, Thatcham.

 

6. Why burn rubber and money?
   It may seem obvious, but a simple way to keep insurance costs down is to ride carefully. Points on a licence can increase the cost of bike insurance quotes, invalidate a no claims discount or bonus, not to mention bump up renewal costs.

 

7. No claims, fewer pains
   Not claiming on a bike insurance policy can grow a no claims bonus which, every year, can discount a premium until a maximum limit is reached. For an extra premium some providers can give the option to protect a no claims bonus, helping to preserve the discount if a claim is made.

 

8. Compare motorbike insurance
   Just like having the freedom to shop around for a new helmet or leathers, a comparison site gives you the opportunity to browse bike insurance deals. Tesco Compare introduces customers to The Bike Insurer, which can sift through bike insurance deals from leading providers by price and features.