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Looking for bike insurance can be an extremely laborious process, but as it is a legal requirement, it is useful to take the time and effort into searching for the best deal. As every insurance company is different, their policies will range in cost and what they have to offer the policy holder. As bike insurance is tailored to suit the policy holders needs, prices will differ from person to person as all insurance companies take into consideration certain factors before giving out a quote.

As with all types of vehicle insurance, the age of a person can significantly contribute in how much their insurance premium will cost. This is because most insurance companies look at how much risk factor is involved in someone who is looking for bike insurance. Statistically, it means that someone who is older and has been riding a long time will have gained experience and knowledge of riding on the road, therefore making them a low risk rider. For those who are young and / or have just passed their test, they will not have gained as much knowledge and therefore are more likely to be involved in an accident.

However, there has recently been an increase in people attending courses aimed at people who are new to riding, as well as the more experienced drivers, to help them gain additional riding knowledge. If attended, this shows the insurance companies that the rider is trying to reduce the risk of being in an accident and therefore will reduce the insurance premiums.

The age and the type of vehicle can also affect the cost of an insurance premium, as a bike that is new and more costly is more at risk of being stolen. Furthermore, a bike that is more powerful and has had some modifications carried out to it is going to cost more in terms of insurance than a standard bike. Therefore, it may be useful to carry out some research on the bike before contacting the insurance company, as failure to give the correct information may result in any future claims being rejected and the policy becoming void.

Depending on where the policy holder lives and where the bike will predominately be kept can have a great effect on how much someone will pay for their bike insurance. In addition, where the bike is kept throughout the day if in use can also determine their insurance premium, as a bike that is kept in a garage or a secure lock up is going to be less at risk of being stolen. Due to this reason, it will therefore be cheaper to insure a safe and securely locked bike, compared to a bike that is parked on the road with no security features.

To find the best deal for bike insurance, the potential customer needs to prove to the insurance company that they are a safe and careful driver. This will further lower the risk factor of being involved in an accident as those who have been given points for driving offences are more likely to pay a higher premium than those who have no points on their license or any driving fines.

Although bike insurance can be costly, it is important to remember that it is a requirement by law and failure to own a bike insurance policy but ride a bike on a public road can result in a fine, a driving disqualification and also the bike in question being towed away.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