Motorbike Insurance How do I get a quotation?

Answer:

If you have visited the other pages on this site you will now have a better understanding of:

• Which type of policy you require Third Party, Third Party Fire and Theft, Comprehensive

• How to reduce your premiums

You are now informed you can make a better choice of the policy that best meets your needs. 

What next?

Why should I shop around for a Motorbike Insurance Quote?

Answer:

Although Insurers share Underwriting information particularly to deter fraud they do not share confidential information about their claims experience. The reason why is that all Insurers are competitive and they use this information to determine what premiums to charge their customers. There is no such thing as a Standard Motorbike Insurance Premium hence the reason why it is worthwhile shopping around for Motorbike Insurance Quotations.

In assessing the premium Insurers will take into consideration your post code your age driving experience claims history motoring offences.

In addition Insurers treat all people differently. Some Insurers will prefer older clients others will not want to cover young riders or persons in high risk professions such as media.

Similarly some Insurers will not want to cover performance motorbike or older vehicles.

For the reasons above the attitude of all Insurers  differs  and  their premiums vary accordingly.

Where do I obtain a Motorbike Insurance Quote?

Answer:

Obtaining Motorbike Insurance Quotations is Free it only requires a little time and effort to seek alternative quotations.

All you need to do is prepare beforehand so that you can complete the proposal form on line to enable you to get a quotation. A little preparation also enables you to get other quotations for comparison purposes.

We would refer you to the link on the left navigation panel or alternatively click below to obtain details about the importance of the Proposal Form.

Proposal Form 

You have now got the basics so where do you go to get a Motor Insurance Quotation

On Line to Insurers and Brokers

Most of the Main Motorbike Insurers  and Motorbike Insurance Brokers have  access to obtaining Free Motorbike Insurance Quotations on line. A suggested number of companies is given below (in no preference) Search the web for these providers

Just answer the questions using the Typical Questions for Proposal Forms which you have already prepared See (Proposal Forms)

1st Quote       

Access Underwriting 

Adrian Flux    

Bike Team On Line    

Biker Direct   

BikerPlan       

Blackfriars Group      

Budget Insurance       

ChoiceQuote.co.uk    

Churchill Insurance    

CIA Insurance Group

Devitt Insurance Brokers       

Direct Choice 

Ebike Insurance         

Footman James          

H & R Insurance        

Hastings Direct          

Motorcycle Direct      

Norwich Union          

Quote a Bike  

Quoteline Direct       

The AA         

For 90% of riders you should be able to get an instant quotation however if you have an adverse Claims history or driving record or other issues you may find that it is not possible to obtain a quotation on line.

Do Not Give Up

Invariably if the Insurer is unable to Quote on line they will give you a number to contact so that you can speak to an advisor direct. Hopefully following a telephone conversation they will be able to provide you with a quotation.

If you answer questions with the Insurance Company have your Typical Questions and Answers to hand. Do not assume that the telephone conversation is unimportant, the answers you give will form the basis of the Proposal Form. Most telephone calls are recorded and it is therefore important that you answer any question accurately. Any failure to do so may render your policy void in the event that you make an Insurance Claim

Insurance Brokers

If necessary particularly in the case of adverse features on the Proposal Form you may wish to deal with an Insurance Broker direct. A list of Insurance Brokers in your area can be obtained by Logging on to the BIBA website where you can obtain contact details for Brokers in your area the link is below.

Insurance Brokers

Summary

Hopefully by shopping around and comparing the different quotations received you are now in the position to obtain a Motor Insurance Policy which suits your requirements at a competitive price.

Make sure you read and understand what you have purchased and that it provides the cover that you require.

Watch out for endorsements and make sure you can comply with any Terms and Conditions stated