Motorcycle Insurance Checklist Before You Get a Quote
Riding a motorcycle solo requires balance and control. Riding a motorcycle with a passenger means you’ll need twice those skills. Generally, as a woman motorcycle or scooter rider your passenger’s weight will be greater than your own.
There’s lots to learn and insuring your motorcycle, or scooter, is a significant part of riding and your riding budget. Equally important are the details to getting the right motorcycle insurance coverage.
It seems more often than not, getting motorcycle insurance is a bit of a rushed happening. We’re often caught off guard when our renewal reminder arrives in our mailbox or we’re jumping to get insurance for the big bike deal we’re just about to take advantage of.
However, it pays to be more organized when getting ready to commit to another year of motorcycle insurance. You always want to be sure you can get on the road so you don’t want to have a hiccup between policies and renewals. At the same time just before renewal comes around is a great time to review your policy and get other quotes.
Be sure to place a reminder up in your desktop, home or smart phone calendar a couple of weeks before your renewal date. This will give you the time you need to ensure the right decision going forward.
Below is our list of all you should have at hand before you even think about renewing or looking for a new quote. This list is what your insurance broker or agent will want in order to review your policy or provide you a new quote.
- Home address.
- Garage address, if different to above.
- Annual mileage and how much is just for pleasure, for commuting or business use?
- How long have you been a resident in the country?
- The date you passed your bike test
- Proof of No Claims Discount (NCD). Your current insurer should be able to help.
- Any convictions pending, or on your licence, what and when?
- Advanced riding courses passed
- The date you passed your car test
Details Of Your Motorcycle
- Make, model and year of motorcycle
- Current mileage
- Accurate estimate of the current value of your motorcycle or the one you’re thinking about buying/trading up to.
- Any accessories added or fitted and their value.
- Any modifications such as aftermarket exhausts, upgraded brakes, engine work or custom painting.
- What security you have to protect your motorcycle such as: an installed alarm system, a GPS tracking system, lock or disc lock.
- Where the motorcycle is parked when not in use. Is it kept in the garage, your driveway, street, garden, etc.
Motorcycle Insurance Coverage
- Third party, fire and theft or fully comprehensive?
- How much did you pay last year?
- What’s your renewal quote?
- When do you want coverage to start?
- Level of excess you are willing to accept
- Do you want NCD protection?
- Do you require legal coverage?
- Are you planning to ride your bike overseas or out of country?
- Will you need a courtesy bike if yours breaks?
- Do you need breakdown coverage?
Good luck and be sure to read our full guide on getting motorcycle insurance. Even if you’ve been riding insured for years you may pick up a few good pointers.