Finding cheaper bike insurance quotes is essential for any motorcycle or scooter owner. Not only does it help save money, but it also ensures that you are adequately covered in case of any unfortunate incidents.
With the rising costs of insurance quotes for scooters and motorcycles, it is crucial to explore various strategies and tips to obtain the best possible quote for your bike insurance.
By following these 21 tips, you can navigate through the complexities of insurance policies and find a quote that not only fits your budget but also provides comprehensive coverage.
Saving money on insurance not only allows you to allocate those funds towards other important things, but might mean you can splurge on that new motorcycle helmet or the latest piece of bike gear or tech.
By taking the time to explore various strategies and tips, you can find a quote that not only saves you money but also provides the comprehensive coverage you need.
In this post, we will do a deep dive into 21 tips to get a cheaper motorcycle and scooter insurance quote. These recommendations are intended to provide you with information and strategies that might save you a considerable amount of money while still ensuring you get the coverage you require. So, whether you’re a seasoned rider or a rookie, keep reading to find out how you can save money on bike insurance without sacrificing safety.
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Why must you have insurance cover for your scooter or motorcycle?
Insurance for your scooter or motorbike is necessary for various reasons. To begin, having at least third party cover is a requirement in most countries. This guarantees that if you are in an accident and cause damage or harm to another person or their property, your insurance will cover the costs.
Furthermore, having insurance that protects you financially in the event of theft, vandalism, or damage to your own bike, known as fully comprehensive, offers better protection.
21 tips to get a cheaper motorcycle and scooter insurance quote.
1. Research and Compare for better motorcycle insurance quotes
Trawling through websites for the best price can be time-consuming, but taking the time to study and compare different insurance companies can save you a substantial amount of money in the long run.
You can verify that you are getting the best coverage at the best price by gathering various estimates.
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Furthermore, comparing different insurance companies helps you to assess their reputation, customer service, and claims procedure, ensuring that you select a dependable and trustworthy organization.
So, while it may be boring, the time spent researching and comparing motorbike insurance rates is definitely worth it.
Third Party or Fully-Comprehensive; Only get the cover you need
2. Reducing cover can save you money on your bike quote.
When searching for motorcycle insurance, it’s important to only get the coverage you need. While it may be tempting to add on extra coverage for peace of mind, this can significantly increase your premium. Assess your individual needs and risks, such as the type of bike you own, your riding habits, and the area you live in. This way, you can customise your policy to ensure you have adequate protection without paying for unnecessary coverage.
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For example, if you own a vintage motorcycle that you only ride occasionally for leisure, there may be no need to include coverage for daily commuting or business use. Additionally, if you live in a low-crime area with secure parking facilities, you might not require theft coverage, which could save you money on your premium. By carefully evaluating your specific circumstances, you can tailor your policy to fit your needs and find the best deals on motorcycle insurance.
3. How much your bike or scooter is worth can affect your insurance quote
It is important to evaluate the value of your bike and determine the appropriate amount of insurance coverage for it. If you have an expensive motorcycle, it may be wise to choose comprehensive coverage that protects against theft, vandalism, and other damages. On the other hand, if your bike is older or has a lower value, you may be able to opt for basic liability coverage to meet legal requirements.
3. Choosing full comp or third party cover can save you money
When selecting an insurance policy for your bike or scooter, it is crucial to consider different cover options and their associated costs. While fully comprehensive coverage offers extensive protection, it often comes with a higher premium.
On the other hand, third-party only cover may be more affordable but may not provide the same level of coverage in case of an accident. Evaluating your budget and the potential risks your bike may face can help you make an informed decision about the most suitable coverage option for your needs.
Increase Security to lower scooter and motorbike insurance quote
4. Installing alarms or immobilizers can reduce your premium
Installing security equipment such as alarms or immobilizers might help you save money on your scooter or motorcycle insurance. Insurance companies frequently give discounts for motorbikes that have extra security measures installed, since these systems can help discourage theft and lessen the chance of damage. Investing in these safety systems not only protects your bike but may also save you money on insurance costs in the long run.
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5. Secure storage can reduce your insurance quote
Having a secure storage location for your bike is another beneficial factor that can help lower your insurance quotes. Insurance providers view bikes that are stored in locked garages or secure parking spaces as less vulnerable to theft or damage. Additionally, a secure storage location can also help prevent accidents or damage caused by natural elements, such as harsh weather conditions.
6. Fit a tracker to reduce insurance premiums
Fitting a tracker to your bike is another beneficial approach to lower your insurance premium. A tracker is a piece of tech that can get fitted on your bike to assist you find it if it is stolen. Insurance companies may provide discounts to clients who have trackers fitted since it enhances the chances of retrieving a stolen bike.
More tips to get a cheaper motorcycle insurance quote
7. Lower Mileage and Usage makes your insurance quote cheaper
Being truthful about the estimated annual mileage is crucial when trying to lower your insurance quote. Insurance providers often consider lower mileage as a lower risk, resulting in cheaper premiums. However, it is important to accurately estimate your mileage to avoid potential issues in the event of a claim. Providing false information can lead to your claim being denied or your policy being cancelled.
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Additionally, if you underestimate your annual mileage and end up driving more than expected, your insurance provider may charge you additional fees or increase your premiums. It is always better to be honest about your estimated mileage to ensure that you are adequately covered in case of an accident or other unforeseen circumstances. By accurately estimating your annual mileage, you can also avoid any potential legal consequences that may arise from providing false information to your insurance provider.
8. Pay your motorcycle insurance cover annually to keep it lower.
Paying your motorcycle insurance cover annually instead of monthly can help keep your premiums lower. Many insurance providers offer discounts or lower rates for customers who choose to pay their premiums in one lump sum. By paying annually, you can avoid any additional fees or interest charges that may be applied to monthly payments. Additionally, this can help you stay organized and avoid the hassle of making monthly payments, ensuring that your insurance coverage remains uninterrupted.
9. Increase your voluntary excess for your next motorcycle quote.
Increasing your voluntary excess for your next motorbike quotation will also help you save money on insurance. The voluntary excess is the amount you agree to pay before your insurance coverage kicks in.
By raising this amount, you are accepting additional financial responsibility in the event of a motorbike or scooter accident or damage. This shows the insurance company that you are ready to bear a bigger percentage of the risk, which may result in lower insurance rates for your scooter or motorbike. However, in the case of a claim, you must carefully assess your financial status and capacity to pay the additional excess amount.
10. Try to build up your no-claims history.
Building up your no-claims history is another great tip to get cheaper motorcycle and scooter insurance quote. By avoiding making any claims for a certain period of time, typically one year or more, you can demonstrate to insurers that you are a responsible and low-risk rider.
This can result in discounts or bonuses being applied to your premium, making your insurance more affordable. It is important to note, however, that the length of time required to build up a significant no-claims history may vary between insurance providers, so it is worth checking with them to understand their specific requirements.
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11. Take a motorcycle or scooter training course to lower your insurance quote.
Taking a motorbike or scooter training course will help you not only improve your riding abilities and general road safety, but it can also lower your insurance cost. Many insurance companies give discounts to riders who have completed an official training course, demonstrating a commitment to safe riding.
By investing in your own education and skill development, you not only enhance your own safety, but you also present yourself as a lower-risk rider to insurers. This can lead to reduced insurance quotes and ultimately make your coverage more affordable.
12. Be aware of administration charges in your policy.
If there are any changes to your policy, for example, if you change your address or realise some information was incorrect, insurers may charge an administration fee. It is important to review your policy carefully and understand what fees could be incurred.
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Bonus Tips to save you money on you motorcycle quote
13. Don’t let your scooter or motorcycle insurance policy auto-renew.
Shop around for quotes every year to ensure you are getting the best deal possible. Insurers often increase premiums upon renewal. This can be because they know we are lazy and will likely pay the renewal quote, which might be considerably higher, so it’s important to compare prices and negotiate with different providers.
14. Wear a motorcycle helmet camera when riding your scooter or motorcycle.
Not only can a motorcycle helmet camera provide you with an extra layer of protection by recording any accidents or incidents that may occur, but it can also serve as valuable evidence in case of an insurance claim.
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For example, imagine you are involved in a motor vehicle accident while riding your motorcycle. The motorcycle helmet camera captures the entire incident, including the actions of the other party involved. This footage can be used as evidence to support your insurance claim, ensure that you receive a fair settlement, and may also mean that you are not unfairly held responsible for an incident that wasn’t your fault.
Additionally, having a helmet camera can deter reckless drivers and help improve overall road safety for motorcycle riders. You may like to check out this article, which has some of the best motorcycle and scooter helmet camerasavailable to buy.
ugoscootersblog.com 
Finding cheaper bike insurance quotes is essential for any motorcycle or scooter owner. Not only does it help save money, but it also ensures that you are adequately covered in case of any unfortunate incidents.
With the rising costs of insurance quotes for scooters and motorcycles, it is crucial to explore various strategies and tips to obtain the best possible quote for your bike insurance.
By following these 21 tips, you can navigate through the complexities of insurance policies and find a quote that not only fits your budget but also provides comprehensive coverage.
Saving money on insurance not only allows you to allocate those funds towards other important things, but might mean you can splurge on that new motorcycle helmet or the latest piece of bike gear or tech.
By taking the time to explore various strategies and tips, you can find a quote that not only saves you money but also provides the comprehensive coverage you need.
In this post, we will do a deep dive into 21 tips to get a cheaper motorcycle and scooter insurance quote. These recommendations are intended to provide you with information and strategies that might save you a considerable amount of money while still ensuring you get the coverage you require. So, whether you’re a seasoned rider or a rookie, keep reading to find out how you can save money on bike insurance without sacrificing safety.
Why must you have insurance cover for your scooter or motorcycle?
Insurance for your scooter or motorbike is necessary for various reasons. To begin, having at least third party cover is a requirement in most countries. This guarantees that if you are in an accident and cause damage or harm to another person or their property, your insurance will cover the costs.
Furthermore, having insurance that protects you financially in the event of theft, vandalism, or damage to your own bike, known as fully comprehensive, offers better protection.
21 tips to get a cheaper motorcycle and scooter insurance quote.
1. Research and Compare for better motorcycle insurance quotes
Trawling through websites for the best price can be time-consuming, but taking the time to study and compare different insurance companies can save you a substantial amount of money in the long run.
You can verify that you are getting the best coverage at the best price by gathering various estimates.
Furthermore, comparing different insurance companies helps you to assess their reputation, customer service, and claims procedure, ensuring that you select a dependable and trustworthy organization.
So, while it may be boring, the time spent researching and comparing motorbike insurance rates is definitely worth it.
Third Party or Fully-Comprehensive; Only get the cover you need
2. Reducing cover can save you money on your bike quote.
When searching for motorcycle insurance, it’s important to only get the coverage you need. While it may be tempting to add on extra coverage for peace of mind, this can significantly increase your premium. Assess your individual needs and risks, such as the type of bike you own, your riding habits, and the area you live in. This way, you can customise your policy to ensure you have adequate protection without paying for unnecessary coverage.
For example, if you own a vintage motorcycle that you only ride occasionally for leisure, there may be no need to include coverage for daily commuting or business use. Additionally, if you live in a low-crime area with secure parking facilities, you might not require theft coverage, which could save you money on your premium. By carefully evaluating your specific circumstances, you can tailor your policy to fit your needs and find the best deals on motorcycle insurance.
3. How much your bike or scooter is worth can affect your insurance quote
It is important to evaluate the value of your bike and determine the appropriate amount of insurance coverage for it. If you have an expensive motorcycle, it may be wise to choose comprehensive coverage that protects against theft, vandalism, and other damages. On the other hand, if your bike is older or has a lower value, you may be able to opt for basic liability coverage to meet legal requirements.
3. Choosing full comp or third party cover can save you money
When selecting an insurance policy for your bike or scooter, it is crucial to consider different cover options and their associated costs. While fully comprehensive coverage offers extensive protection, it often comes with a higher premium.
On the other hand, third-party only cover may be more affordable but may not provide the same level of coverage in case of an accident. Evaluating your budget and the potential risks your bike may face can help you make an informed decision about the most suitable coverage option for your needs.
Increase Security to lower scooter and motorbike insurance quote
4. Installing alarms or immobilizers can reduce your premium
Installing security equipment such as alarms or immobilizers might help you save money on your scooter or motorcycle insurance. Insurance companies frequently give discounts for motorbikes that have extra security measures installed, since these systems can help discourage theft and lessen the chance of damage. Investing in these safety systems not only protects your bike but may also save you money on insurance costs in the long run.
5. Secure storage can reduce your insurance quote
Having a secure storage location for your bike is another beneficial factor that can help lower your insurance quotes. Insurance providers view bikes that are stored in locked garages or secure parking spaces as less vulnerable to theft or damage. Additionally, a secure storage location can also help prevent accidents or damage caused by natural elements, such as harsh weather conditions.
6. Fit a tracker to reduce insurance premiums
Fitting a tracker to your bike is another beneficial approach to lower your insurance premium. A tracker is a piece of tech that can get fitted on your bike to assist you find it if it is stolen. Insurance companies may provide discounts to clients who have trackers fitted since it enhances the chances of retrieving a stolen bike.
More tips to get a cheaper motorcycle insurance quote
7. Lower Mileage and Usage makes your insurance quote cheaper
Being truthful about the estimated annual mileage is crucial when trying to lower your insurance quote. Insurance providers often consider lower mileage as a lower risk, resulting in cheaper premiums. However, it is important to accurately estimate your mileage to avoid potential issues in the event of a claim. Providing false information can lead to your claim being denied or your policy being cancelled.
Additionally, if you underestimate your annual mileage and end up driving more than expected, your insurance provider may charge you additional fees or increase your premiums. It is always better to be honest about your estimated mileage to ensure that you are adequately covered in case of an accident or other unforeseen circumstances. By accurately estimating your annual mileage, you can also avoid any potential legal consequences that may arise from providing false information to your insurance provider.
8. Pay your motorcycle insurance cover annually to keep it lower.
Paying your motorcycle insurance cover annually instead of monthly can help keep your premiums lower. Many insurance providers offer discounts or lower rates for customers who choose to pay their premiums in one lump sum. By paying annually, you can avoid any additional fees or interest charges that may be applied to monthly payments. Additionally, this can help you stay organized and avoid the hassle of making monthly payments, ensuring that your insurance coverage remains uninterrupted.
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9. Increase your voluntary excess for your next motorcycle quote.
Increasing your voluntary excess for your next motorbike quotation will also help you save money on insurance. The voluntary excess is the amount you agree to pay before your insurance coverage kicks in.
By raising this amount, you are accepting additional financial responsibility in the event of a motorbike or scooter accident or damage. This shows the insurance company that you are ready to bear a bigger percentage of the risk, which may result in lower insurance rates for your scooter or motorbike. However, in the case of a claim, you must carefully assess your financial status and capacity to pay the additional excess amount.
10. Try to build up your no-claims history.
Building up your no-claims history is another great tip to get cheaper motorcycle and scooter insurance quote. By avoiding making any claims for a certain period of time, typically one year or more, you can demonstrate to insurers that you are a responsible and low-risk rider.
This can result in discounts or bonuses being applied to your premium, making your insurance more affordable. It is important to note, however, that the length of time required to build up a significant no-claims history may vary between insurance providers, so it is worth checking with them to understand their specific requirements.
11. Take a motorcycle or scooter training course to lower your insurance quote.
Taking a motorbike or scooter training course will help you not only improve your riding abilities and general road safety, but it can also lower your insurance cost. Many insurance companies give discounts to riders who have completed an official training course, demonstrating a commitment to safe riding.
By investing in your own education and skill development, you not only enhance your own safety, but you also present yourself as a lower-risk rider to insurers. This can lead to reduced insurance quotes and ultimately make your coverage more affordable.
12. Be aware of administration charges in your policy.
If there are any changes to your policy, for example, if you change your address or realise some information was incorrect, insurers may charge an administration fee. It is important to review your policy carefully and understand what fees could be incurred.
Bonus Tips to save you money on you motorcycle quote
13. Don’t let your scooter or motorcycle insurance policy auto-renew.
Shop around for quotes every year to ensure you are getting the best deal possible. Insurers often increase premiums upon renewal. This can be because they know we are lazy and will likely pay the renewal quote, which might be considerably higher, so it’s important to compare prices and negotiate with different providers.
14. Wear a motorcycle helmet camera when riding your scooter or motorcycle.
Not only can a motorcycle helmet camera provide you with an extra layer of protection by recording any accidents or incidents that may occur, but it can also serve as valuable evidence in case of an insurance claim.
For example, imagine you are involved in a motor vehicle accident while riding your motorcycle. The motorcycle helmet camera captures the entire incident, including the actions of the other party involved. This footage can be used as evidence to support your insurance claim, ensure that you receive a fair settlement, and may also mean that you are not unfairly held responsible for an incident that wasn’t your fault.
Additionally, having a helmet camera can deter reckless drivers and help improve overall road safety for motorcycle riders. You may like to check out this article, which has some of the best motorcycle and scooter helmet cameras available to buy.
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