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Insurance companies who are more used to providing insurance for male motorbike riders are seeing an influx of females taking to the streets on two wheels rather than four as a cost effective way to save money.

This situation has taken some insurance companies by surprise with many only offering quotes to men despite the Sex Discrimination Act! While other more astute minded insurance companies are jumping at the chance to gain more custom by offering women riders low cost insurance policies with discounts purely because of their gender!

It is a known fact that women can get lower car insurance than men, which although is annoying and leading for calls of equality to be applied, surveys and studies have shown that women are deemed to be safer drivers than men. So are the same principles being applied to insurance for female motorbike riders?

Yes, is the short answer! Women are being offered discounts which can considerably lower their insurance premiums for bikes of all sizes. Don’t be fooled into thinking that women only potter around on mopeds and scooters, the bigger machines are also being ridden by females and whilst the somewhat sexist attitude of sexy women shaking their head to let their locks tumble as they remove their crash helmets is still perceived by many men as incredibly seductive, the truth is that many female riders are more than cute when it comes down to their riding skills!

Whilst the ‘going is good’ so to speak, many women are taking full advantage of the lower premiums which in turn enables them to ride bigger machines for far less insurance costs than men. They are being offered the same levels of protection and optional extras such as breakdown assistance, injury cover for pillions, along with policies which enable them to ride other bikes or include European cover.

As with any type of insurance to get the best deals you have to do your homework and shop around. Brokers and insurers who specialise in providing motorbike cover will be more than happy to tailor a policy to meet individual riding needs irrespective of what sex you are.

As with cars the biggest discounts are offered to riders who have a proven track record of careful driving and an accumulated no claims discount. Riders who keep their bikes stored in a garage with anchor points when they are not being ridden will also be offered a discount. Basically the more you can do to help prevent you bike from being stolen, as long as it is legal, the greater discounts you will be offered.

Despite rising insurance costs the competition in the insurance industry is fierce and highly competitive, with insurers all vying to gain more custom. As such you should shop around for the best deals available and rather than sticking to renewing a policy each year. Taking the time to do some shopping may be just the sort of retail therapy both men and women need to keep the cost of their motorbike insurance within their budget!

If you’re looking for a quote on motorbike insurance visit Swinton.

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