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Motorcycle Insurance
Ways To Reduce Your Premium (7)
A number of factors are taken into account by your insurer when calculating your insurance premium. Discounts are available for a number of aspects:
Obtain your licence summary
You'll need:
- Driving Licence Number
- National Insurance Number
- Home Postcode
Alternatively call the DVLA on 0300 790 6801 to obtain a sharecode
Have a question?
You might find the answer you need within our Frequently Asked Questions
Go to FAQsSecurity
Discounts can be given for tagging devices, immobilisers and trackers. In most circumstances you will be asked to provide proof that the security device you have declared is fitted to your motorcycle.
Advanced Training
If you have successfully completed additional training on your motorcycle with bodies such as the Driving Standards Agency or the Institute of Advanced Motorists you may be entitled to a discount on your premium. Enter details of the scheme or contact us on 01224 848382 for details. If you are receiving a discount you will be required to provide evidence of the qualification.
Ownership
Many insurers will give substantial discounts based on the length of ownership. This can be up to 20% if you have owned the motorcycle for four or more years.
Mileage
The fewer miles you ride the more discount you will receive. If you do not use your motorcycle to travel to work, exclude commuting to reduce your premium even further. It is important that you do not under estimate your mileage as this may result in a claim being rejected or not paid in full.
Garaging
Keeping your motorcycle in a garage can entitle you to discounts of up to 15%. In order to qualify the garage must at your home address and must be of brick or stone construction, with a roof and locking door. If your motorcycle is garaged away from home, or kept in a wooden shed you may still be entitled to a discount, please call us on 01224 848382 to check. Terms may apply.
Excess
All ‘Comprehensive’ and Third party, Fire & Theft policies carry a Compulsory Excess. This is the amount you will be asked to contribute in the event of a claim. Discounts are available if you select a Voluntary Excess though you should be aware that this amount will be added to the Compulsory Excess applying in the event of a claim. Please note: the total excess applying cannot exceed the value of your motorcycle.
Drive a Car or Van?
If you hold at least 1 year no claims bonus earned on a motorcycle, you may be entitled to enhanced discounts based on your no claims bonus earned on a car or van. To qualify for these discounts the car or van policy must be current and held in your name. You must be a regular user of the car or van and you will be asked to provide evidence of the entitlement.
Security Providers
Driver Licensing
- www.gov.uk - Driving Licences
- www.dft.gov.uk - Driver and Vehicle Licensing Agency
- www.gov.uk - Driver and Vehicle Standards Agency
- www.viewdrivingrecord.service.gov.uk - View your driving licence information
Safety & Training
- www.iam.org.uk - Institute of Advanced Motorists
- think.direct.gov.uk - Motorcycle Safety Campaign ‘Think Bike, Think Biker’
- www.rospa.com - Royal Society for the Prevention of Accidents
- www.gov.uk - Driving Standards Agency – Enhanced Rider Scheme
Motorcycle Restriction
- www.dynojet.co.uk - Dynojet
- www.fiinternational.com - FI International
Keeping Your Vehicle is Legal
- www.askmid.com - Check your vehicle is on the motor insurers database (it can take up to 7 days to appear after your policy has been incepted)
- www.gov.uk - Tax your vehicle online
Fully Comprehensive |
This is the widest form of cover. It covers you for accidental damage to your vehicle, loss of or damage to your vehicle as a result of fire or theft and your legal liability for motor accidents caused by you, including injuries to other people and damage to property. |
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Third Party, Fire and Theft |
This covers damage to, or loss of your vehicle as a result of fire or theft and cover for your legal liability for motor accidents caused by you, including injuries to other people and damage to property. There is no cover for your vehicle in respect of accidental damage. |
Third Party Only |
This is the minimum level of cover available in the UK. It covers your legal liability for motor accidents caused by you, including injuries to other people and damage to property. It does not provide any cover for damage to, or loss of your vehicle. |
