What is the best motorcycle insurance?

Everyone has a different idea of what the 'best' motorcycle insurance is. For some, it's the insurer's reputation, for others it's the policy that includes the most extras.

What's important is that you find the best motorcycle insurance for your own personal circumstances, whatever they may be.

So, whether you're a courier and need to insure your motorbike to use for work, or if you only need a short-term policy for the odd bit of weekend riding over summer, remember that the best motorcycle insurance for you may not be the same as for someone else.

Is cheapest best?

In general, you get what you pay for so the cheapest motorbike insurance you can find may not be the best for your needs.

Even if you only care about price, what seems like the cheapest option at first can cost you more in the long run because if you don't have the right insurance, your insurer may not pay out in the event of an accident.

Choosing a different level of cover can make a difference to the price you pay but again, if you're only insured for Third Party Fire and Theft and you have a crash, you could end up having to pay for repairs out of your own pocket.

Another option is whether or not you purchase optional extras with your policy. It may be tempting to ignore these if you're trying to keep things cheap but if, for example, your motorbike is prone to breaking down, then adding on breakdown cover to your policy may be worth the extra cost.

Who has the best motorcycle insurance?

Different insurers all have different benefits so it's worth doing a bit of digging before buying a policy.

Reading reviews can be a great way to find out the experiences real people have had with insurers, you can read our broker reviews here.

If cost truly is the most important thing to you, then using a price comparison site can help cut out the slog of going through and getting hundreds of different quotes yourself.

But it's important to make sure you fill in all quote details as accurately as possible because it's the only way to make sure that you're fully covered in the unfortunate event of an accident.

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