In­sider in­surance tips bik­ers need to know The ex­perts from the UK’S big­gest providers guide you to trou­ble-free re­newals

Motorcycle News (UK) - - Garage -

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.”

3Come clean

“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.

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