STEP 4: ONLY COVER WHAT YOU NEED
As with choosing your level of cover, look out for the optional extras on your policy and don't pay for more than you need.
For example, legal assistance or access to a courtesy motorbike may not be essential to you, and if you've included passenger cover you're likely to pay more for a policy.
You may consider motorbike breakdown cover an essential product - but think about whether you'll get a better deal by buying a separate breakdown policy rather than choosing it as an add-on your insurance.
While comparison sites offer a large chunk of policies, some deals are only available direct from insurers and may offer a special deal or extra cover.
LV: Free legal expenses, helmet and leathers cover
You won't find LV motorcycle insurance on comparison sites but it does offer a number of incentives to tempt you into signing up. You'll automatically get free helmet and leathers cover, £100k of legal expenses and a 10% discount if you have an existing LV car or home insurance policy.
BE WISER: Free helmet and leathers cover + roadside assistance
Insurance broker Be Wiser offers a number of incentives such as free helmet and leathers cover, legal protection service, RAC roadside assistance and personal accident cover.
Once you've found the cheapest, there are two important checks to make:
Double-check the quotes
- Click through to the insurance provider's own website to double-check the quotes. Some comparison sites make assumptions so it's always best to check them out direct on the insurers site.
Examine the policy's coverage
- Is the policy suitable for you? If you want 'passenger cover', is it included? Plus while you're there, it's worth playing with the policy details to see if you can slim the price down. Look at the excess, and if extra security will definitely help to drive the cost down.