If you have a motorbike, you will need to insure it, just like any other road user needs to insure their vehicles. However, there are different policies for different circumstances, and this can make it all a bit overwhelming.

Don’t worry, though, as we are going to take a look at different plans in this post, as well as some advice on making a claim.

If you’re looking to insure your motorbike, read on to discover more…

Multi-Bike Insurance

Motorbike insurance companies offer a wide range of policies for customers to take advantage, including multi-bike insurance. Research indicates that one in ten riders own more than one motorbike. If this applies to you, you will need multi-bike cover. Read on to discover more about this type of policy and what makes it different from standard cover.

One of the key differences between a conventional motor insurance policy and a multi-bike insurance plan when you compare motorcycle insurance options is, of course, the fact that you can insure more than one bike with multi-bike cover. If you have a classic bike, which you only use now and again, a scooter for popping to the shops, and a superbike for your daily commute, you can put these all on the same insurance plan. In most cases, you can cover up to five bikes on the one policy. This is much more convenient than taking out five separate insurance plans, and often a lot cheaper too. You don’t have to worry about numerous renewal dates throughout the course of the year, plus you won’t have to pay five separate premiums either. One thing that a lot of people are worried about when it comes multi-bike insurance is that they will not be eligible for a no claims discount. However, this is something you do not need to worry about, as most insurance companies will still offer this feature. The type of bikes that you own will be considered when determining the premiums that you pay.

Motorbike Insurance For Convicted Riders

Motorbike insurance is available for those with motoring convictions, although this does limit your options and make motor insurance a more expensive proposition. Unfortunately, even if it was a careless mistake, you will be seen as a high risk to insurers, and risk equates to higher premiums.

You can definitely expect to pay more for motorbike insurance as a consequence of a previous conviction. But, do not let this dishearten you, as there are different ways to counteract this, and lower your premiums. But, before we reveal these, it is important to stress that you need to be honest when submitting your insurance application. It may be tempting to lie about your motoring convictions, but if you do this, your policy will be void, and this can leave you in a tricky situation if you do need to make a claim. So, how can you lower the cost of insurance? The first tip is top shop around. Use a comparison website. Such firms tend to have connections with leading motor insurers, and this means you will benefit from better deals than you will find elsewhere. Another piece of advice is to take a riding course. You may feel that you do not need one, but by doing so, you will show that you are a responsible driver and that you are righting your wrongs. Aside from this, the type of bike you ride, as well as the mileage and security all have an impact on the premiums you will pay.

Motorbike Insurance Claims Advice

If you need to make a claim on your motor insurance policy, the process should be relatively straightforward, with details available on the website of the insurer you have the policy with. However, there are some processes worth following to ensure everything goes smoothly.

Firstly, if your motorbike has been stolen or vandalised, or you have been involved in an incident whereby someone has been injured, you need to get in touch with the police as soon as possible. The police should give you a crime reference number. Do not lose this – you will need to pass it on to your insurance firm. If possible, make notes about the vent as soon as you can, as this will ensure you do not forget any important details. Notes should include where the incident happened and when, as well as any contact details of witnesses or involved parties. Witness statements can really help to support any claim. If applicable, you should also take photographs of the scene. If you make any phone calls in regards to your claim, keep a record of them – note the date of the call and, of course, the person that you spoke to. While it may be tempting to take your motorbike to your local repair garage, as you want it to be fixed as quickly as possible, you shouldn’t. Unless the garage is improved by the insurer, you may not be able to claim back the repair costs.

Hopefully, you now have a better understanding regarding some of the different options that are out there when it comes to insuring your motorbike. It is important to carefully assess all of the different policies so that you can find the right one for your situation. The last thing you want to do is end up spending more than necessary or finding out you’re not covered.