Motorbikes possess an appeal to the young perhaps unlike any other vehicle, something which is significant in terms of insurance for a couple of reasons. Firstly, the fact that many motorcyclists are youthful and excitable, means that road accidents involving them can be more common than among drivers of other types of vehicle; secondly, the fact that many are young means that they will not have a great deal of experience in terms of securing the right insurance deal. Furthermore this image can make it harder for motorcyclists to secure a good deal on their motorbike insurance.

It is a mandatory legal requirement in most countries – including the UK – for motorcyclists to have some form of insurance cover. The law states that the minimum cover necessary is ‘third party only’ insurance, and many people opt for this on the assumption that, as the most basic level of cover, it will also be the cheapest. This is not always the case however, and newly qualified motorcyclists should always look to get quotes from companies for all of the different policies they offer. Many, like Carole Nash, will provide quotes simply and for free over the phone. Make sure you investigate thoroughly before choosing.

Next you should try to do anything you can to lower the rate for the premiums you have to pay. This means ensuring that you have a clean driving record, thus making you a good insurance risk for companies. Motorcycles still carry associations of youth, recklessness and rebellion, which makes companies cautious when it comes to policies. The fact of the matter is – if you have a have a poor driving record or a bad credit rating, it will greatly increase the premiums you have to pay to get insured. Even for those with years of motorcycle experience and spotless records, it is worth doing an accredited course in safety, for the same reason.

However, do not lie about your record in an attempt to secure a lower premium; companies will investigate you thoroughly, including details regarding the vehicle and your previous track record on the roads. This information is relatively easy to secure and, if they discover that you have not been completely honest, this can lead to your insurance claim being invalidated. This would leave you liable to fines, penalty points and perhaps even a complete loss of your motorcycle licence for driving uninsured.

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