BMW Motorbike Insurance

If you own a BMW motorbike or are looking to purchase one, moneysupermarket.com can help you to compare a large selection of insurers to make finding a competitively priced bike insurance policy that little bit easier.

Whether you use your BMW motorbike for domestic, pleasure, social or to commute to your place of work, here at moneysupermarket.com we can search through our panel of over 30 insurers to find you a competitive quote.

With a variety of cover levels such as fully comprehensive BMW motorcycle insurance, 3rd party fire and theft or basic 3rd party cover, you will find your needs catered for.

Get a new bike insurance quote now

Finding the right BMW motorbike insurance policy

Choosing your cover level: You will find that cover levels on your BMW motorbike insurance policy vary wildly between insurers. If you seek only the most basic level of protection, then third party cover may suit your needs but will only pay for damages cause to a 3rd party or their property.

Should you want to increase your cover to the next rung on the ladder then 3rd party fire and theft comes next and makes provision for theft or fire damage to your motorcycle; theft remains a statistically high risk when owning a motorbike.

The top rung on the ladder is fully comprehensive which incorporates the cover of the lower 2 levels and, in addition, damage to your own motorbike and injury to your person. Always check the small print as cover varies between insurers on all levels of cover.

Shop around for your policy: it is always advisable to get a multitude of quotes from a variety of insurers to ensure that you get the best value for money policy.

Policy add-ons: Policies vary in terms of the extras they offer such as; legal cover, breakdown and bike leathers/helmet protection. It is wise to compare a number of policies to find the extras you require. Some insurers will allow you to add or remove extras to suit your needs.

Finding cheap BMW motorcycle insurance

Method of payment: It is sometimes possible to make a saving by paying for your policy as one lump sum; paying monthly can be more convenient but many insurers add interest if you opt for this method.

Factors affecting premium price: apart from the usual such as age, experience, history, etc, the key factors that affect premium price are; modification to the bike, mileage and security measures. Some policies will allow you to make minor modifications, but anything that could increase the risk of your having an accident will undoubtedly effect your premium price. Improving the security of your motorcycle with an approved device such as a disc brake lock or similar will usually help to drive down the premium price.

Increase your excess: increasing this voluntarily can help to reduce the price of the annual premium but only to a certain extent. You should be careful to ensure you can fund a larger excess payment should the unexpected happen.

Building a no claims discount: For every year of safe, accident free riding, you should receive a no claims bonus from your insurer. This can be transferred when you move to a new insurer and will usually continue to build up to a maximum of 5 years. Insurers usually take this into account, awarding a discount in proportion to your total no claims bonus.

The above tips can help you to find a cheaper BMW motorbike insurance quote; to compare over 30 motorcycle insurers, simply click the "get a quote now" button above.