| Like cars, motorcycles being used in public are bound | | | | cheaper, but remember that you are required by law |
| by certain laws relating to insurance. They must be | | | | to have cover for these passengers. Check that |
| covered, at the very least, for third parties. This is so | | | | your policy includes it if you need it. It is even |
| that if you cause damage to someone else's person | | | | possible to get cover for your no-claims bonus. |
| or property, they will be insured for the costs that | | | | Younger people will experience higher premiums, but |
| are incurred. If, however, you want more cover for | | | | there are ways to keep costs as low as possible. |
| yourself then it is worth paying extra for third party, | | | | The power of the engine and make of the bike, as |
| fire and theft or fully comprehensive motorcyle | | | | well as where it is kept, will affect how much it costs |
| insurance. Before choosing a policy, think about your | | | | to cover it. As with any insurance policy, accepting a |
| biking habits and requirements. | | | | higher excess will bring down the premiums. |
| For example, do you want to be insured for | | | | However, the greater your excess, the more you will |
| breakdown recovery, or do you want your helmet | | | | have to pay yourself out of any claim you make. |
| and leathers to be included in the policy? Are you | | | | If your motorcycle is a vintage model, you can still |
| going to be biking abroad in the near future? It may | | | | get cover for it and it may even cost less - these |
| be best to have overseas cover as part of your | | | | bikes have a lower probability of being claimed for. |
| standard policy rather than buying separate cover for | | | | Shop around for your motorbike insurance to find the |
| the trip. You will want to look at any details of | | | | best deal, but remember not to go immediately for |
| cancellation in case this is necessary as well. | | | | the cheapest policy you can find. It is important that |
| Remember also that policies do not necessarily | | | | all your needs and requirements are met by the |
| include pillion passengers as a matter of course. If | | | | cover, even if it costs more. |
| you are not covered for this, the premiums may be | | | | |