Buying a motorcycle is already a major investment for many people. Of course you don’t want to pay unnecessary money for things you don’t need, especially if you just spent a lot of money. It is therefore very important to compare all possible insurers and insurance policies. This will save you a lot of money in the coming years.
Different ways of insuring
You can be insured with different insurers. The prices will differ, but the insurance policies themselves will be fairly similar. When looking for motorcycle insurance, you can usually choose from three different insurance policies. You have third-party insurance, third-party liability insurance and all-risk motor insurance. The prices of these insurance policies vary widely. This is because with a third-party liability insurance, for example, you are only insured for damage that you cause to third parties. This while with an all-risk insurance you are also insured for damage to your own vehicles and theft. So you can take out cheap motorcycle insurance, but this does not automatically mean that you will be cheaper in the coming years. By taking out more expensive insurance, you can save a lot of money in the event of an accident. Especially if you take a lot of risks in traffic and have built up few claim-free years, it is wise to insure your third-party liability + or all risk.
Linking your claim-free years
If you are going to take out insurance, it is wise to check whether the insurer allows you to link claim-free years. It is a lot cheaper to take out insurance if you can demonstrate that you are a smaller risk for the insurer. This way you will pay less for your insurance because of the trust the insurer has in you based on your history. However, this is not the case with many insurance policies and it is therefore smart to pay attention to this. You can save a lot of money this way.
Take advantage of your winter break
During the winter months, the road network is not so suitable for motorcycles. You can fall relatively easily with the motorcycle. This makes it very dangerous to go on the road with rain and temperatures approaching zero degrees. That is why with some insurers you can put your motorcycle insurance on pause during the winter months. In this way you do not pay a premium in the months that you do not drive your motorcycle. This way you can often save 10 to 15 percent of your annual premium. When taking out insurance, make sure that this is possible.