Motorcycle Insurance

Convicted Rider Insurance

If you’ve got points and bans, it pays to shop around for insurance

 

Once you’ve received a driving conviction, getting insurance can become more difficult and expensive. With the plethora of speeding cameras dotted around the country it is all too easy to be clocked exceeding the limit, especially as modern bikes have such great acceleration.

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The problem is you might have racked up some points for speeding convictions resulting in a year’s ban from driving and now, a few years later, you find insurance companies are still giving you higher quotes. Often, this doesn’t seem fair, as it could have been a one off error of judgement and for most people it’s a case of ‘once bitten, twice shy’.

 

Or maybe you’ve got a conviction for something other than a motoring offence and find you are being penalised with high premiums when it comes to getting motorcycle insurance, even if you’re a good rider.

 

In these sorts of cases, if you investigate online insurance quotes your premium may end up sky high. Most sites add on fixed percentages for each conviction or ban, regardless of your individual circumstances with heavy loading for more serious convictions.

 

Don’t make the mistake of thinking that’s the norm and you’ll have stump up the money, or else not ride your bike. A phone call to a specialist insurance broker who can discuss your details will probably produce a more favourable premium.

 

We Can Help

We Can Help

Bikesure, the free-thinking motorcycle insurance broker, understands that on the whole riders with convictions are not any different from riders without convictions. And, in fact, those who have points on their licenses may actually be more careful than those without – as they are worried about facing a ban.

 

One of the most common convictions in the UK is driving without insurance. This is a serious offence. First time offenders may receive six points and a fine, but the penalty could be more severe, including a ban, depending on the incident. Ironically, getting insurance after this conviction, labelled an IN10, can be really difficult.

 

At Bikesure, the experienced staff will do the leg work for you and ring around to find cover at a reasonable price. For example for a 23 year old male, living in the LN3 postcode who has an IN10 conviction and a subsequent 12 month ban will only pay £170 for third party, fire and theft cover on his Suzuki GS600F if he agrees to a £400 excess, once he is clear to ride again. This assumes he also had a recent 1 year NCB before he let his insurance lapse.

 

Money saving tips for motorcyclists

Money saving motorcycle tips

 

Everyone seems to be looking for ways to cut expenditure, so the we have compiled some suggestions to help bikers save a few quid.

 

Bikesure bikes

 

  • Insurance. It’s a false economy to cut corners with insurance, be honest and be covered. Failing to disclose all information is fraud and can result in invalid insurance and even criminal convictions, not to mention a hefty pay-out if you can’t claim. Another saving is on mileage limits – be careful not to overestimate it, especially if you will not use your bike all-year-round. Third party insurance is not always the cheapest, so it is always advisable to get a quote for comprehensive insurance as well. Specialist insurance policies offer savings. There are policies especially for young riders, custom bikes and classic bikes etc.

 

  • Join an owners’ club. By joining an owners’ club not only will you get access to a wealth of knowledge and tips, but you can also get discounts. For example you can cut your insurance premium by up to 20% with Bikesure.

 

  • Petrol. There’s a lot of savings to be had where fuel is concerned. First of all, reduce the amount you use by making changes in the way you drive, accelerating and braking more gently to boost your MPG. There are a number of credit cards that offer cashback when you refuel, such as the Santander 123 card, which offers 3% cashback on spending at petrol stations. There are often supermarkets offering fuel discount vouchers. Another way to save is by looking around for cheaper fuel in your area, with sites such as petrolprices.com.

 

  • Check your bike.  Make sure your bike is regularly serviced to keep it working in tiptop condition and running efficiently. By regularly checking your bike you can spot and sort issues before they escalate into bigger and more expensive problems. Bike Trader has a list of daily checks to do, such as oil levels, suspension and drive chain.

 

  • Tyre pressure. Check tyres are inflated to the correct levels, as this saves fuel and increases safety.

 

tyre pressure

 

  • Carry out servicing and minor repairs yourself. By learning how to change your own oil and filter and carry out other maintenance tasks you can save yourself lots of cash. Trusty Haynes manuals help with basic servicing and repairs.

 

  • Security. By investing in the best security possible for your bike, such as a decent lock and chain, ground anchors, alarms, immobilisers, trackers, etc., and by storing the bike in a garage or shed, you can cut pounds from your premium for years to come (and, of course, make your bike harder to steal).

Club members and tourers benefit from new insurance schemes

Motorcyclists can benefit from bigger discounts and tailormade cover thanks to specialist insurance broker Bikesure.
The broker has introduced two new schemes to reward owners club members and cater for touring bike riders.
A new owners club scheme only available to members provides discounts of up to 25 per cent.
And the tourer scheme is a tailormade policy including standard features such as:

  • Sat nav cover up to £250
  • Accessories covered up to £1,500
  • Free cover for most European countries for three months in any one year
  • Cover for bikes valued up to £30,000

Rob Balls, of Bikesure, said the two new schemes would provide great savings and specialist cover for dedicated enthusiasts.
“We know from experience that members of owners clubs are more likely to take care of their bikes much better than non members, and so we’re happy to reward them with bigger discounts than ever before on our owners club scheme,” he added.
“The tourer scheme is specifically designed for those who take to the roads for longer trips, taking into account the extra equipment and accessories needed for British and European touring.
“We hope that these new policies, added to our existing schemes, will help provide even greater value for our customers.”
Bikesure is one of the UK’s leading specialist insurance brokers, with schemes covering everything from standard road bikes to modified, imports, superbikes, scooters, trikes and quads.

bikesure.co.uk | Specialist Motorcycle Insurance

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