Can anyone recommend a good insurance company for motorcycle cover?
The quotes are high because they dont reckon much on your chances of not crashing, so there is a message for you there about the bike and your use of it and your levle of experience. The simple answer is shop around a lot and think hard if you need particluar elements of the cover that is expensive. I always call 4 or more companies at renewal time, and then go back to the one I am with and ask them to requote as I have a cheaper one form someone else. Often they will match better quotes to keep you. If you have a desirable bike, it may be that the possibility of theft is putting u the cost, so ask whether fitting better security woud drop the quote. I once saved the cost of a high spec alarm in 2 years of lower premiums. Think about using the bike. If you commute then that will add a lot. DO you really need to do that? Maybe the saving woudl pay for the cost of public transport. Do you need their breakdown and legal cover. Cut out the extras and see what effect that has. If you have n
If you insure the bike for basic liability it shouldn’t be much at the most $300-$400 or so per year. If you insure the bike because you are financing it or you don’t have the pink slip yet and are still making payments, then the insurance will be higher because your finance company requires higher risk protection. It is for this reason its better to buy a used bike, get basic liability and its much less. As a new rider the cc’s of the bike raise the insurance. For example a low cost bike to insure is the Kawasaki ninja 250 and the 2008 model is hot looking even more… The bike has a 250 cc engine. If you go up to a 500 cc enging the insurance goes up higher A 600 cc even higher and thus and so..
