How to reduce your motorbike insurance premiums

Bikers jumping in the air..

Motorbike insurance is one of those annual bills that there really is no escaping. But the cost of renewing your policy is not completely out of your hands. There are a number of things that you can do as a bike owner to find a cheaper motorbike insurance quote.


The less time spent on the road will decrease the chances of you needing to make a claim and therefore result in lower premiums. It is important to be as accurate as possible when declaring your mileage so that your insurance cover does not become void. If you decide to sell your bike then fewer miles on the clock help the resale value remain high.


The more you can do to protect your bike from getting stolen or damaged, the better it will be for your bank balance when you come to renew your policy. Garaging your bike or having an approved security device fitted to your motorcycle will not only protect it from being stolen, but could also reduce your insurance premium.


Signing up for an advanced riding course such as the one run by the Institute of Advance Motorists will help keep your insurance costs down. It's not only important to stick to the speed limit for the safety of yourself and other road users, but also due to the fact that speeding tickets will cause your premiums to rise. If you drive safely then the chances of you needing to make a claim are greatly reduced.

Choose voluntary excess

Most insurance policies will have a compulsory excess to pay and some will also offer you the choice to pick a voluntary excess that suits you. This gives you the opportunity to bring your premium down by selecting a higher excess amount to pay should you ever need to claim.

The Bike

The length of time that you have owned your bike and the size of your engine can affect your premium. Any modifications that you make to bike can also cause issues when searching for insurance.

Level of cover

Choosing the level of cover will usually decide the price of your premium. Third Party insurance will save you money on your insurance but it won't cover any damage to your bike should you have a fault claim. It's a good level of cover to take if your bike isn't worth a lot of money. Whilst fully comprehensive cover can be more expensive, it provides plenty of protection should you need it. Extra levels of cover such as Breakdown Cover, Personal Accident and Legal Expenses will all add to your bill but provide great peace of mind should you make a claim.