Buying the best motorbike insurance
Bikers come in all shapes and sizes, from the Domino Pizza guy on a scooter to the dirt biker revving up in the woods and along the green lanes. What's good insurance for one might not suit the other - so how do you go about sorting through the policies and finding one that's right for you?
First of all you need to think about what style of cover you need. The basic legal minimum is third party only ('TPO'), which covers any damage you might cause to someone else, for instance if you take off a driver's wing mirror or hit a pedestrian. Third party fire and theft adds cover if your bike is nicked, but you're on your own if you crash the bike yourself; and fully comprehensive will cover you for accidental damage, vandalism and other eventualities.
Obviously you get what you pay for, TPO being the cheapest and fully comprehensive more expensive. If you've got a beaten up old bike that's not worth much, you may be quite happy to take TPO - if the bike is trashed a few hundred quid will get another one. On the other hand, if you've spent big money on a new superbike, it will be worth the extra pounds to get fully comp and protect that shiny new beast.