Different insurers offer different benefits so it’s worth doing a bit of research before buying a policy.
Is there such a thing as the ‘best’ motorcycle insurance?
The key is that you find the best motorcycle insurance for your own personal circumstances.
So, whether you only need a short-term policy for the odd weekend ride over summer or a daily commute policy remember that the best motorcycle insurance for you may not be the same as for someone else.
We always suggest starting with a price comparison site so you get a feel for the range of prices being offered for your circumstances. You often get easy to read checkboxes of what a policy includes. when you see the cheapest provider come to the top research on Google to see how customers have felt the company deals with changes or claims.
It’s important to make sure you fill in all quote details as accurately as possible because it’s the only way to make sure that you’re fully covered in the event of an accident.
Important comparison site note
Comparison sites don’t always filter accurate details to the final insurer. once you select a price and are linked to the final screen on the insurers site make sure to click “amend details” or “check details” and see everything feed through to the final insurer.
Personally when I used Confused.com the “Theft claim” i entered filtered though to MCE as a “Third Party Hit me” claim which I had to update on the insurers page and my email address and telephone number did not filtering through. This means the insurance documents would not have been emailed to me resulting in a call to the company once you have paid online.
Should you buy the cheapest insurance? In general, you get what you pay for in insurance so the cheapest you can find may not be the best for your needs.
Even if you only look at price,
What looks like the cheapest option at first can cost you more in the long run!
If you come to claim your insurer may not pay out in the event of an accident. Choosing a different level of cover can make a difference to the price you pay but if you’re only insured for Third Party Fire and Theft and you have a crash, you could end up having to pay for repairs out of your own pocket.
Keep an eye out for optional extras with your policy. It may be tempting to take out the breakdown cover but sometimes it works out cheaper to take it out directly.
We personally have found Bennetts and Carol Nash to be good options for bikers MCE has been good however there is more of a focus on Race cover from them.
We hope this tips help you out