Motorcycle Insurance

Mature Bikers Insurance

 

According to Nich Brown of Motorcycle Action Group UK, the number of older bikers in Britain has risen over the past decade.

There could be many reasons why. Motorbikes are much cheaper to run than cars, as they require far less fuel. There’s also an added romance in hitting the road on a bike, and for many this may seem both an appealing retirement prospect, and another way to recapture their youth.

bikeA big bonus in embracing your inner biker at a later stage in life is that the insurance tends to be a lot cheaper. Most mature riders are more experienced with road hazards than teenagers and young adults. Whether they have learnt from past mistakes or are naturally more cautious, mature riders are less prone to accidents. Insurers like this.

Bikesure, the freethinking insurance broker, offers a range of policies and discounts ideal for mature riders from its wide network of insurers.  Because it is a broker and not a straightforward insurance company, Bikesure compares policies from a range of different providers in order to ensure its clients get the best deal they can.

Bikesure now offers discounts for riders as young as 30 returning to two wheels after a break. For those who have either taken a longer sabbatical, or want to get into motorcycles at a later stage in their lives, Bikesure has recently introduced a 60 plus scheme. This policy is applicable to anyone between the ages of 60 and 80, subject to terms and conditions. For more information on both policies contact Bikesure directly.

 

If you are an experienced older motorcyclist you may also benefit from Bikesure’s ‘performance bike experience’ discount, which you can also find out more about by contacting the sales team.

Older and more experienced riders are often more likely to have an expensive model compared with younger riders just starting out. While some companies are put off by expensive vehicles, Bikesure can look into arranging an agreed value cover to compensate the full value of the motorcycle if your bike is written off. The same goes for unusual vehicles, from retro mopeds to modified streetfighters. Because of its vast network of policy providers, Bikesure is able to get cover directly suited to the individual’s needs, however unconventional these may be.

Mature riders should also make use of other discounts Bikesure offers that aren’t necessarily age specific. For example, owners’ club membership discount can reduce the overall cost of a policy significantly, and you can sign up to an owners club, such as Yamaha and Suzuki, quickly and hassle-free online.

Recognising that mature riders may use their bikes more in leisure time than as a regular source of transport, Bikesure also offers a limited mileage discount.

 

 

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).

bikesure.co.uk | Specialist Motorcycle Insurance

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