TOP TIPS 9all
Insider insurance tips bikers need to know The experts from the UK’S biggest providers guide you to trouble-free renewals
2Get your mileage right
Statistically speaking, the more miles you cover the more likely you are to be involved in an accident and the higher your premium is likely to be. Devitt’s Nick Chavda recommends going through old MOT certificates and giving as realistic number as possible, as you’re likely to knock a few pounds off your quote. Be conservative though. “Genuine mistakes will not void your policy,” says Bennetts’ Vince Chaney. “But be prepared for them to change your premium mid-term.”
“Accidents, claims and convictions are the biggest factors affecting your premium,” says Devitt’s Nick Chavda. “You have to declare them for every vehicle, not just your bike.” Carole Nash’s Becky Gaskarth has heavier news, saying: “If you’ve had an accident you didn’t claim for you’re still obliged to tell the insurer. It will still be a factor in their calculations.” But it’s not all doom and gloom. “Some insurers will use your car experience to give you a better quote,” says Chavda.
4Find room in the garage
“There are some companies that won’t even quote for a bike that’s not kept in a garage at home at night, particularly in central London,” says Nick Chavda. In north London there can be more than 10% difference between cover for a garaged bike and one parked in the road. “If you’ve got a garage then make space and put it in there,” says Becky Gaskarth. Don’t exaggerate about having a garage though; insurers have been known to check on Google Maps to see if your property has one.