When it comes to choosing motorbike insurance Northern Ireland residents now have a great deal of choice for a policy where they were once limited. Finding an insurance provider to take you on if you lived in Northern Ireland in the past was often like looking for a needle in an haystack, now with the help of a specialist broker residents have the same choices for getting competitive premiums that the rest of the world enjoys.
When considering taking out motorbike insurance Northern Ireland you first have to decide on the amount of cover needed. Just as when taking out car insurance you could choose to take out third party fire and theft or fully comprehensive. If you choose to take fully comprehensive then as the name suggests you would have the most comprehensive insurance for your bike, however this is the most expensive type of insurance. You would have to take this type of insurance if you were buying a brand new bike or a second hand model over a certain amount of money. If buying a cheaper second hand model then you might want to consider taking out third party fire and theft as this is the cheapest type of insurance. However it would only provide cover for your bike if it was stolen or damaged by fire.
The size of motorbike you want insurance for would go towards determining how much the insurance would cost. The larger the "CC" or engine size then the more it would cost to insure the bike. Younger drivers are limited to under a certain "CC" but the cost of insurance for the younger driver is often a great deal more than for the more experienced driver anyway.
The safer you make your bike the cheaper the motorbike insurance will be. If you keep the bike in a locked garage you could save on the insurance. You could also save if you lock the bike with a bike chain when parked and if you install added security measures.
If you are only planning on using your motorbike for so many months out of the year then you could consider taking low mileage insurance. This will allow you to insure up to so miles that you would drive and providing you did not go over this amount you could save a great deal of money on your insurance. However if you were to go over this amount and then have to make a claim on the insurance the insurance company would not payout on the claim.
When looking to cut down on the cost of your motorbike insurance you can offer to pay out more in excess that what the provider asks for. All providers will state a minimum amount of excess that you would have to pay before the insurance provider will pay out the rest of the claim you make. However by offering to pay more you can keep down your insurance costs but you do need to take into account that you would need to find the excess as a lump sum if you claimed. While this can help to keep down the cost of motorbike insurance Northern Ireland if you were to have to make more than one claim in any one year you would probably lose out.
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