If you want to get the best Motorcycle Insurance , you must take into account several important aspects that can influence the price of the policy and its coverage. Factors such as the type of motorcycle and its displacement, the use that you are going to give it and the choice of the coverages that you really need to drive with adequate protection are decisive.
The time of contracting the insurance is key to get a policy with good coverage for your motorcycle and a cheaper price. It is convenient that you pay special attention in the steps prior to signing the contract and compare different offers to finally get the best insurance for your motorcycle, scooter or moped .
Securing your motorcycle is not just a matter of price
The price is the variable in which we look before. Everybody wants cheap Motorcycle Insurance , and in the market we can find very cheap policies that only include more coverage than the obligatory Civil Liability Insurance to be able to circulate.
The price is important and we must look for the savings when insuring the motorcycle , but we must not neglect the guarantees and the service provided by the insurers.
As you can see, there are several issues to take into account and today we are going to offer you some recommendations that can help you choose the perfect policy for your motorcycle.
The motorcycle will influence the price of the policy
The hiring of an Insurance may be determined by the decision to buy a new motorcycle . In this sense, it is important to note that not all motorcycles are the same in the eyes of insurers and insurance prices can vary greatly from one to another.
The choice of motorcycle, moped or scooter is very personal, and it influences the use that we are going to give you and the expectations we have created with the machine. But if you still have no idea which model to choose, you may find it interesting to know which motorcycles are more expensive to insure .
In this sense, the Insurance focus on the power of the vehicle. The models that have the highest premium are those whose displacement is higher than 500 cc and mopeds that between 75 and 150 cc.
In the case of large motorcycles, with displacements of up to 1,000 cc, the premium is higher because they have a greater number of accidents. Instead, mopeds have the handicap that they are preferred by younger drivers, and that also penalizes the cost of insurance.
The best Motorcycle Insurance also depends on the driver
As with other Vehicle Insurance , the driver is also taken into account when insuring the motorcycle. In fact, insurers examine the profile of the rider to determine the price of the insurance, assessing aspects such as:
Age of the driver
Years of experience with a license
Fines and points of the card
In addition to the profile of the rider, other aspects such as the use we give to the motorcycle may have an influence. For example, it is not the same to insure a delivery motorcycle as a motorcycle that we use to get to and from work.
Before signing, look at the Motorcycle Insurance coverages
Having the best Motorcycle Insurance means hiring the right guarantees at the best price. Therefore, one of the things that you must take into account before signing the contract is to analyze what coverage you are going to hire.
This decision will always depend on your specific needs and the use you make of the motorcycle. It is not about having as many more better, but choosing the ones that best suit your needs.
The insurance offers motorcycle can vary from one insurance to another, but in general the bike can be secured with these modalities:
Third Motorcycle Insurance
Third Party Insurance Extended
All-risk insurance with franchise
In addition, each insurance company usually offers a wide range of additional guarantees that can be included in the contract, such as the Helmet Insurance or the fines claim service .
However, it is always advisable to make a comparison between the proposals of different insurers to see what they offer you. Only then can you decide which is the Motorcycle Insurance that includes the guarantees you need and it is cheaper.
Do not forget the loss management when choosing the Motorcycle Insurance
Many times, when comparing insurance policies, we forget an important chapter: the conditions that your insurer establishes when taking charge of an accident.
For example, being able to freely choose the workshop where to take the motorcycle in case of accident or breakdown, or how the insurer will provide us with travel assistance are elements that can make the difference between a good Insurance and a not so good one.
Here too, elements such as the limits of coverage and exclusions come into play . They are aspects that have their importance and can give us an unpleasant surprise, especially when we have to give a part to the Insurance .
Save on the policy with the payment method
How to pay for Insurance can reduce your cost. Keep in mind that the policy can offer different forms of payment, in a single annual fee or in installments , monthly, quarterly or half-yearly.
Compare Moto Insurance before making a decision
Choosing a good Motorcycle Insurance can become very complicated due to the great offer in the market. Although it takes time, it is convenient to compare similar products and analyze what they offer each other, until we find the best insurance for our motorcycle.
You can also put yourself in the hands of insurance advisors and experts to advise you on the best offer to insure your motorcycle . In our online Insurance comparator we can help you to hire a cheaper Motorcycle Insurance with the guarantees you need.
In addition, our advisors can advise you during the hiring and find an offer tailored to your needs, with the backing of the leading motorcycle insurers . This way you can save time and money, without giving up the best insurance for your motorcycle.