Motorcycle Insurance - JAWA CZ Owners Club

Are you paying too much? The answer is probably YES! The best advice we can give is to shop around as motorcycle insurance offers are many and varied.

Do not assume that a renewal premium is the best available. For example, my insurance renewal came through and it was only a little more than last year but I checked on Confused.com and found offers around £30.00 less, so I contacted my broker to ask if they would price match. I was told they didn't price match (they had before) but would get me a new quote. The new quote was about £60.00 less than the renewal quote and better than any other price on offer!

With my other one, I checked the specialist advertisers and the first quote was about £140.00 for an agreed value of £4000.00 and 5000 miles a year. Second quote was £240.00 and then I tried Carole Nash who gave me all I wanted plus free European Assistance for below £100.00.

With my motorbikes I have my main insurance via a local broker and I pay £112.37 for cover on my 1989 GSX 750ESF, BSA M33, BMW R100 and CZ 175. This covers me for Third Party Fire and Theft with 90 days Foreign use as a free extra. The excess is £175.00 and I have 9 years no claims bonus.

You can often reduce your premium by having a larger excess (the amount you pay in the event of a claim). You can also get reductions by limiting the period of cover if you ride only in the summer months.

If you take your motorcycle abroad it is always best to get European Breakdown Assistance as part of your package as it can be impossible to get separate cover for a bike over 10 years old. If you plan to buy a motorcycle abroad you can get 14 days cover from Carole Nash to allow you to drive it home. A friend recently bought a 2CV van in France and this was the only insurer to offer this type of cover.

Be sure of your needs and don’t be afraid to go back to an insurer to ask for a better deal.

Some policies even cover bikes when in pieces during restoration.

Don’t forget to admit to any points or convictions as a small lapse of memory might get you a better price but could invalidate your insurance cover.

For agreed value policies you have to submit a series of photos and a full condition report. It is also worth ensuring you can buy the wreck should the motorbike be written off.

Do NOT exceed your mileage limit.

If you modify your motorcycle in any way you need to advise your insurer. That might be the fitting of a different carb or even a rack and hard luggage.

Finally you might want to ask for a price to protect your No Claims Bonus. Some insurers include this in the price, some give you a free year after 2 years. Just check out the deals that suit you.