Where can you find cheap motorbike insurance? Certain factors affect how the companies will rate your premium such as:

1) Your bike - as with cars, if you have the newest, flashiest more expensive model then you will pay a higher price. If you are new to motorbikes, it is a good idea to go for an older model to start with. Apart from reducing your policy charges, it is better to practice your new skills on an ancient motorcycle than a pristine machine.

2) How long you had your license? If you have only just qualified the chances of you being in an accident are statistically quite high and this will make the accessor nervous. You can improve your risk profile if you complete some advanced courses and post your certificates to your insurance company.

3) Your age - again statistically teenagers and younger drivers are more likely to have accidents due to immaturity combined with a lack of driving experience. Not all young drivers behave irresponsibly but they do end up paying the price of the others. All you can really do is prove that you are responsible and mature by not getting into any trouble and steering clear of accidents. Building up your no claims bonus is one way to reduce future costs.

4) How you intend to use your bike? - If you are going to travel to work every day, you will pay higher charges than someone who only uses it for casual outings at the weekend. The problem doesn't always lie with the biker but with irresponsible car drivers who appear to think bike owners are both invisible and invincible. If they run over you, you will walk away. Unfortunately as we all know this is not the case. Also where you park your bike will affect your policy.

5) Your driving history will be taken into account including any accidents you had while driving a motor vehicle. Yes I know it is like comparing apples and oranges but the actuaries are looking for trends.

So now you know how they access your application, what other tricks can you use to drive down your premiums?

You need to shop around for quotes as they can vary considerably from one insurer to the next. You need to raise your deductibles. If they see that you are prepared to take on some of the risk, they will reward you with lower costs.

If possible try to fit security features to your bike to help prevent it being stolen i.e. alarms and immobilizers'. Park your bike in the garage and not on the drive. If you don't use the bike for work, you should qualify for a discount as your mileage and therefore your chance of being in an accident is lower.

Another way to reduce your costs is to make sure you are not over insured as some policies such as your household or medical may provide overlapping similar cover. Cheap motorbike insurance is available; you now know how to get it!



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For bike enthusiasts, motorcycle possession is frequently more than simply having a way to get you from A to B, it represents freedom of the open road and a opportunity to be connected with a group of like-minded people. A motorbike is regularly the individual's pride & joy, and perhaps no more so than for the owner of a classic motorbike. Whether you ride your classic motorcycle frequently or only on particular occasions; whether you keep it carefully parked in your garage around-the-clock to attentively tend to it and restore it or use it only to transport it to motorbike shows, it is crucial to ensure it is covered by the relevant insurance.

Seeing that classic motorbikes are disposed to have more value than a typical motorbike and have parts that are more pricey and not easy to replace, your classic motorcycle deserves to have more than simply standard insurance. The best way to see to it that you get the most apt coverage is to select classic motorbike insurance through an established and respectable insurance provider.

Insurance companies generally see a motorcycle to be classic if it is between 15 to 20 years old, and if the motorbike meets the appropriate criteria you'll be able to choose a policy intended to cover the particular needs of a classic motorcycle rider. Seeing that your requirements will be particular to you depending on your specific motorbike and what you use it for, classic motorcycle insurance can be tailored to make sure that the policy you get gives you level best peace of mind.

Factors that'll assist you in finding the correct policy include the age and value of your motorbike, both of which must be plainly declared up front to the insurance company so that the motorcycle is not undervalued should you need to claim, as well as mileage and where the motorcycle is parked. In general, in order to qualify for the best rates, insurance companies want to be reassured the motorcycle is parked in a secure environment such as a garage.

The frequency with which you ride your motorcycle and also where you ride it can determine the policy you get. If your motorcycle has only limited use it could work in your favour, as insurance companies may be inclined to see that as meaning a lesser chance of an accident. Clearly though, if you ride on a regular basis you should see to it that the insurance company is appraised of this to ensure that you have a policy that has enough coverage in the event that you need to make a claim.

Finally, classic motorbike insurance can be a more preferable deal than standard bike insurance, not only in as much as it offers appropriate coverage for your prized possession but also because classic motorbikes statistically generate fewer claims, which insurance companies may take into account when quoting rates.

Therefore, if you possess a classic motorcycle and it isn't yet covered by classic motorcycle insurance, please do take the time to find out the best protection possible. You and your bike deserve it.

CIA Insurance is one of the top motorbike insurance brokers in the UK, with over 20 years experience in the UK. Finding cheap motorcycle insurance is easy with CIA Insurance - we do all the hard work by teaming up with our panel of leading motorcycle insurers to find you the best motorbike insurance deals whatever age, make or model of your bike.


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Having motorbike insurance is imperative for all riders. This is for the reason that these polices provide you with financial aid in case of some unforeseen happenings. If you encounter an accident which motorbikes are pretty prone to, you will be getting financial assistance for the repair of your bike or for paying off your medical bills if you hurt yourself.

For this reason, it is very important to get a motorbike insurance before coming on the road so that you can save yourself from any potential financial loss. In some places, it is also mandatory to have a bike insurance which means you will have to get a insurance no matter if you desire one or not. However, these policies have scores of benefits and you should get them even if it is not compulsory in your part of the world.

Everyday lots of road accidents take place and many of them involve motorbikes. For this reason, having insurance becomes even more important. You surely will not like spending all your savings in case you do get involved in an accident and get hospitalized or break your bike. Motorbike insurances provide various kinds of covers which cater for the need of different people. Some provide with basic cover while other offer comprehensive cover depending on what you want and what you can afford.

You can also get third party insurance. The comprehensive motorbike insurance is generally the most recommended kind of policy. This is for the reason that it provides you cover for almost everything including bike damages, fire cases, theft as well as medical bills if you hurt yourself. However, this sort of policy is more costly than the other options.

Motorbike insurance costs you more than car insurance for the reason that bikes are more prone to accidents than other vehicles. As cars have less probability of road accidents than motorbikes, the insurance company charges more for them to cover up for the risk.

Many people want to have cheap motorbike insurance but are not sure as how to get such policies. Well there are some ways which can help you get cheaper policies. For example, if you are an experienced rider, you can get cheaper bike insurance. You can also get cost effective policies if you take riding courses and get certification. This is for the reason that experienced riders are less likely to involve in accidents than amateur riders. You should do good research while looking for motorbike insurance as it will help you to get good discounts and worthwhile covers.



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If you are ever in a motorcycle accident, and you are uninjured/superficially injured there are steps you can take to recover evidence from the scene. Once you adrenalin levels are back to normal you may want to consider making a claim for accident. Claims for motorbike accidents can be for a variety reasons, slippery surfaces, damaged surface, spillages, non observant road user, ineffective helmets etc. These claims are usually made again the organization responsible for either the spilled substance, or the surface maintenance company.

Please do not go strait into writing down names, taking pictures etc. first you must ensure you and others involved in the accident haven't sustained any injuries. If you/they have an ambulance must be called strait away. While you are at the scene is the best chance you will get to gather specific information that would help you in a potential claim.

The first thing that should be done is to call the police, the officers may be able to give you information you are unable to collect (trace vehicle speeds by skid marks, etc) You can also collect the other information while waiting for the police to arrive. A good idea would be to carry a little notebook in the back of your motorcycle that contains these question already written down. This (1) allows you to concentrate on getting the information, rather than having to remember the questions after a traumatic event, and (2) allows you to gather as much information about the motorcycle accident as possible, by getting the answers faster.

The question you would most likely need to write down would be:

- Name, address, and telephone number of the other driver(s) involved in the motorcycle accident.
- Drivers license number(s) of the other driver(s) involved in the motorcycle accident.
- Insurance information of the other driver(s) involved in the motorcycle accident.
- Get the make, model and year of the other vehicles(s) involved in the motorcycle accident and check the vehicle license plate(s).
- Check to see if the driver (s) are the owners of the vehicle(s) involved, this is usually overlooked and can add fee's, time onto your legal bills.
- If it is a company car or similar, get the business contact information.
- Take down the contact information for all witness's of the accident, this can sometimes be difficult as people are reluctant to be classed as a witness's, if this is the case, note down the vehicle registration. This enables you reach them if more information is needed later on, even though they didn't wish to be a witness, most will come through in the end if they know your case relies on more information
- Write down all conversations about the accident, weather in your favor or not, not just driver comments either, if witness's have opinions write them down too.

Asking all these questions can lead to affected people feeling angry, worried, scared, annoyed. Remember not to get into an argument, and be as calm as possible.

- Never admit fault at the scene even when it is clear, you should wait and speak to a lawyer/solicitor/attorney first. - After the motorcycle accident you should go to the hospital or doctors as soon as possible regardless of whether you feel okay or not, some injuries may not be noticeable strait away, some may only be noticed once adrenalin levels fall. And you should keep proof of all medical instructions/medication you are given, and if Possible proof of you following this advise is beneficial.

After the incident:

DO NOT repair the vehicle, you must wait until everything is resolved, the evidence of damage may be needed again during this time.

DO NOT sign, answer question, or get into an argument with the at fault driver or his insurance/lawyer/solicitor/attorney.



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When you are on the lookout for cheap motorbike insurance it is vital that you get several quotes. This way you can get a much clearer picture of what is available and the level of coverage each policy is going to be offering you.

Today when it comes to getting quotes for motorbike insurance it is far better if you apply for these online rather than phoning a brokers or insurance companies. The main benefit to be had from applying online is that you can obtain the quotes a lot more quickly in most cases after providing some basic information the quotes will appear on the screen in front of you in a matter of seconds or minutes.

When it comes to getting quotes in order to obtain cheap motorbike insurance there are two types of websites where these can be obtained from. The first type offers you quotes which are based on current market prices and earlier records. Often with these sites the quotes you obtain from them come for free. These sites allow you to know very quickly just what the current prices you will be expected to pay for motorbike insurance.

The other types of websites where you can obtain quotes from are those which have been custom made for particular types of applicants. The quotations that are provided by these sites are generated after the applicant providing certain information that the site requests. Normally it only takes these sites a few seconds to provide quotes relating to the information that was provided in the form that was completed online. Be aware that a few of these websites will ask you to pay a nominal fee before they will actually provide you with final quotes.



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