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A necessary requirement before a bike can be used in public, bike insurance comes in three main forms, each of which offers varying levels of cover. However, regardless of the type of cover that is chosen, there are a variety of different ways that bike insurance premiums can be reduced to ensure that they are affordable to everyone.

One of the easiest points to carry out is the safety and security of the actual bike that is being insured. Most insurance premiums are based largely around the bike and not particularly the rider and therefore it is important to ensure that the bike is kept as safe and secure as possible.

For example, at night, the bike should be kept in a securely locked building, such as a garage or shed, which is preferably alarmed. Whilst this will reduce premiums itself in comparison to keeping a bike in an alley overnight, further reductions can take place if the bike has an alarm, immobiliser and security chain (or similar device). If all three are in place, great, but even just having one of them would help to reduce the insurance premium.

As well as the actual safety and security of the bike, it is important to choose and ride and bike that suited to your means and cannot be considered excessive. A prime example is a bike that is used for a commuting journey every day. Whilst a brand new Superbike would look fantastic, as it has a large engine and can easily reach speeds of in excess of 100 miles per hour, an insurance company will favour this less to an older bike with a small engine. The reason behind this is whilst they both carry out the same purpose, as the Superbike is faster and therefore more likely to be in an accident, the insurer has to increase their premiums to reflect the increased risk and amount of money that would need to be paid out for repairs or a replacement, compared to that of an older bike.

Whilst a large amount of the insurance premium is calculated depending upon the bike, a substantial amount is based on the rider and because of this, it is imperative that they are as safe a rider as they can possible be.

Penalty points on a license due to exceeding the speed limit on a public road are seen as one of the most common ways of increasing an insurance premium. It is tempting to go a few miles per hour faster than the given speed limit if you are late for an appointment, but by doing so, you not only risk your life and others around you, but you risk accruing penalty points which insurance companies greatly frown upon and adjust premiums accordingly.

Although there are some affecting factors that cannot be changed, such as a riders age or the area in which they live in, there are several points that, if adhered to, can reduce a bike insurance premium considerably.

Kwik Fit Bike Insurance have a team dedicated solely to finding the best possible deals in motorcycle cover - and have an 18-strong panel of leading insurers specialising in quality Motorbike Insurance and Motorcycle Insurance Services

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