Motorcycle insurance. It’s not exactly fun and costs you a fair bit of money. However, sorting out your insurance is as big a part of owning a bike as putting on your boots and helmet before you hit the road.

But that doesn't stop many of us from leaving it until the very last minute. Indeed, many of us have automatic renewals set up and simply use the same cover provider for the next 12 months.

But to do this could mean spending more than necessary. Taking a little time to shop around for a better deal could give you more money for other things like new motorcycle gear and petrol.

It's a good idea to set a reminder on your phone a few weeks before the renewal date. You should then have ample time to hunt around for a lower-cost policy.


Check list for getting a quote
 

You should have the following information to hand:

Riding history
  • When you passed your test
  • No Claims Discount proof
  • Details of advanced motorcycle courses taken and passed
  • Details of any convictions pending/on your licence
  • When you passed your regular car driving test

 

Your motorcycle
  • Make and model
  • Year of manufacture
  • Value estimate
  • Mileage on the clock
  • Details of any modifications
  • Value of any fitted accessories
  • Security measures: disk-lock, alarm, chain etc.
  • Motorcycle storage details (driveway, garage etc.)

The cover itself
  • Type of cover you want: Third party, third party fire and theft, or fully comprehensive
  • Cost of previous year’s cover
  • The cost of the renewal - use it to negotiate a better deal
  • Cover start date
  • Maximum excess
  • Is legal cover required?
  • Is No Claims Discount protection required?
  • Is kit cover required?
  • Will you take your motorbike abroad?
  • In the event of a breakdown, will you need a courtesy bike?
  • Is breakdown cover required?
  • Any other people on the insurance?
  • Do you want to pay monthly or yearly?