first of all, for those of you who have not actually bought your motorbike yet, you have an opportunity of getting your motorbike down from the start by getting quotes for several different motorbikes that you are considering in order to find a motorbike with lower costs. This is because motorbike premiums can vary considerably depending on the type and model of bike that you go for. Another benefit of doing your homework before you buy your motorbike is that you avoid buying a motorbike which you later find out you cannot afford the on.

2. When deciding which excess level to go for on your motorbike policy, the best thing to do is to go for as high an excess as you can afford to pay in the event of claim as the higher your excess the less you pay.

3. If the bike you are insuring is an old one or does not have much value, then you can save some money by opting for third party fire and theft cover instead of comprehensive cover.

4. Some companies take into account your credit record when deciding on how much your premium is going to be, so make sure you keep a good credit record which is a good thing to have anyway.

5. It always pays to shop around different companies to find the best deal and also bear in mind you may get a discount for buying online.

6. Avoid adding a young rider to your policy if possible and keep the number of riders on your policy to a minimum, you pay the lowest amount by just having yourself on your policy.

7. You should only have guest passenger liability on your policy if you actually do have guest riders on the back of your bike. If you ride alone always, then you can get your down by not having the guest passenger liability on your insurance. However you must be aware that you must never have a guest rider on the back of your bike in this case as you will not be insured for this.

8. And finally it is a good idea to only make a claim when it is a large claim and try not to make smaller claims as this will keep your future premiums down.

Article Source: Articles Beyond Better

Miguel Poza runs a website about money and personal finance where you can find out where to get good deals on credit cards, loans, mortgages, insurance, savings and pensions. You can also read free money saving tips, so why not check it out at www.moneyhelper.co.uk

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