Since
motorcycling is a seasonal hobby or means of transport for the
majority of
UK
riders, cheap motorcycle insurance is highly sought after.
A
few hardy souls will brave the elements year round,
but for the rest of us our motorcycles lie dormant for
six months during the worst of the British winter weather. The
temptation, especially when fully comprehensive policies can
be so hefty to pay, is to take out insurance cover for the six
months we are out on the road with our bikes.
While
this appears to make money-saving sense at first glance, it
could prove an expensive mistake. For not only are we not
insured to ride our bikes, by cancelling an insurance policy
for the winter we are also kissing goodbye to insurance
against theft while our motorcycle is in mothballs.
The
answer for many riders is to compromise by taking out a cheap
motorcycle policy that they can afford to have in place all
year round.
As
with any insurance product take your time and do the research
thoroughly before selecting a cheap insurance policy. Online
is probably the best place to look as most of the big name
insurers aren’t into the concept of cheap motorcycle
insurance.
Be
aware, however, that while cheap motorcycle insurance may be
relatively inexpensive, there are good reasons for this. The
companies offering these policies have designed them from the
ground up and excluded most, if not all, of the worst risks in
order to make these products commercially viable.
What
this means, in reality, is a long list of exclusions and
limitations. And for some motorcyclists the scope of a cheap
motorcycle insurance policy offers inadequate protection.
It’s vital therefore to study the terms and conditions of
any cheap motorcycle insurance policy to establish whether we
are eligible in the first place and, secondly, whether it
offers the insurance cover we require.
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