Taking to the streets on a new motorbike can be an exhilarating experience, but the occurrence of an unexpected incident could easily spoil it. Sufficient bike insurance is therefore necessary to cover the costs of these potential incidents.

However, there are a number of factors that riders should take into account when buying a new bike to ensure that they get the most out of their bike insurance policy:

Make and model of the bike – A top-of-the-line bike can be expensive to repair or replace, and therefore insurance premiums for high-end bikes tend to be greater than for less powerful models. Similarly, it may be more difficult to find the correct spares for bikes older than 20 years, which could also result in increased premiums for older bikes.

Riders’ age and previous riding practices – Age is an important factor in all insurance premium calculations, as people under the age of 25 are categorised as having a higher risk profile. Also, if riders have any previous motoring convictions their insurance premiums will be higher for the same reason. If needing bike insurance, riders with convictions can seek quotations from specialised bike insurance providers such as Express Insurance:http://www.expressinsurance.co.uk/bike-insurance, for the best deal on their bike insurance.

Bike security – Insurers also assess the potential risk factors within the areas in which riders live, and in which their bike is stored. Ensuring that appropriate security measures are in place to protect the bike while not on the road is therefore essential. Make sure the bike is kept in a securely locked building, and that recognised anti-theft devices are installed to help keep insurance premiums as low as possible.

Taking out adequate bike insurance cover when purchasing a new bike is vital to ensuring riders’ peace of mind on and off the roads. Get a free online quote and secure an Express bike insurance: http://www.expressinsurance.co.uk/bike-insurance, policy today.

This article was written on behalf of Express Insurance by a third party content provider. Please note that Express Insurance does not control and cannot guarantee the relevance, timeliness, or accuracy of the above content.