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This week the DVLA is beginning a consultation process to try and resolve the mix up over re-issued licenses which were returned to their owners without including the motorbike category even though riders had passed their motorbike riding test.

A leading motorbike news company has suggested that the DVLA returns old licences, which have the proof that riding tests had been passed, along with the new license.

Major problems have arisen for hundreds of bike riders which in some cases has had a knock on affect to their insurance, as many insurance companies need proof an appropriate riding license before offering quotations and subsequent cover. Especially if someone passed their motorbike test some years ago and has now made the decision to return to riding and have a new licence which they didn’t check properly.

With the number of riders opting to ride without insurance increasing, insurance companies are becoming diligent when new applications are made to ensure that people really have the right type of license and not merely saying they have!

Finding low cost insurance is becoming more important as many people are looking at ways to save money. As such, many leading insurers are offering some very tempting deals, especially when bought online. There are many ways to find insurance for all makes and models of machines with some of the top bike manufacturers also having special deals via partnerships with specific insurance companies.

Tracking down low cost insurance requires a little patience and perseverance depending on an number of quantifying factors which include:

* Where you live in the UK, a bit of a postcode lottery, which apart from moving home there is little you can do about this bar adding as much security protection you can, as long as it’s legal!

* Your age and driving experienced, the younger and less experienced the higher the premiums will be for you.

* The make and model of your motorbike, obviously the larger your bike the higher the premiums will be. Likewise if you a special edition bike the premiums will be higher because these are more expensive to repair or replace.

* Your riding history and whether you have a no claims riding discount which can be applied
If you have any driving convictions or penalty points on your license, over three points and the cost of your insurance will start to rise.

* Your average annual mileage, the more miles you ride the higher the premiums as you will be deemed as a higher risk to insurers.

* Security from theft, approved Thatcham category I anti-theft devices, identification marking and secure anchor points inside your garage will help reduce the premium rates.

Any one or a combination of these factors will be used by insurance companies when they calculate the insurance quotation. Telling lies or deliberately providing false or inaccurate information amounts to fraud, this includes saying you have a license to ride a bike when you don’t! Get caught and it could have a dramatic impact on your future bike insurance premiums, as well as invalidating your insurance.

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

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