It used to be that insuring a motorbike in Northern Ireland was ludicrously expensive – up to 50% more than in London. But no more. Bike insurance specialist Bikesure is now offering Northern Irish riders what it believes are the cheapest rates yet, many of which are even below the UK average.
"It’s taking too long for some insurance providers to catch up with the reality of modern Northern Ireland," says Kevin Lee of Bikesure. "We’ve been pressing for rates that are appropriate to the risk. Now our underwriters have been able to respond and I have to say they’ve really gone the extra mile. In some cases premiums have been slashed by 75%."
Just a year ago, a Honda CBR 600 RR for a 26 year-old male mechanic with four years no claims bonus would have cost £582 to insure, for third party fire and theft cover (TPFT). Now Bikesure is offering insurance on the same machine, for the same rider, for just £183.
As well as standard bikes, Bikesure can cover just about any motorcycle in Northern Ireland, from ‘twist & go’s to performance, tourers and even customised bikes and trikes. For example, a 19 year-old student riding a 50cc scooter, such as an Aprilia Area 51, could pay as little as £137 (for a woman) or £196 (for a man) for TPFT insurance. A female shop owner aged 27 riding a Suzuki GSF 1200 Bandit would pay £105, TPFT. For a Boom Trike, a 46 year-old male optician might pay around £356, fully comp.
"We can now offer motor bikers in Northern Ireland a deal that’s just as good as they would get if they lived elsewhere in the UK," Kevin Lee adds. "We expect other mainstream bike insurance providers to follow our lead."
Bikesure has a huge range of specialist policies for the motorcycle enthusiast, including cheap bike insurance schemes for performance and custom bikes, scooters, trikes, quads and bug riders. For details freephone the Bikesure quote line on 0800 089 2000 or email the company at bikesure@adrianflux.co.uk. For more information visit www.bikesure.co.uk
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Editor’s notes
Sample quotes in full – please ask if you’d like a specific quote. Note, all quotes include IPT (insurance premium tax).
xs = excess to pay on any claim; DOB = driving other bikes cover; garage clause = bike has to be garage parked for theft cover to apply; iod = insured only riding; ss = sold secure lock. All quotes are based on the postcode BT23 4RG.
Harley Davidson XL 1200 R Sportster; 2004; value £4995.
Rider: male bank clerk, aged 35. Premium: £190.49, fully comp, based on 3000 miles pa, garage clause, ss, £300xs, inc DOB.
Aprilia Area 51 50cc; 2005; £750.
Rider: female student, aged 19. Premium: £136.71, TPFT, ex DOB, £400xs.
Rider: male student, aged 19. Premium: £195.95, TPFT, ex DOB, £400xs.
Quadzilla 250 E; 2005; £1800.
Rider: male factory worker aged 27. Premium: £313.34, TPFT, ex DOB, garage clause, ss, £250xs.
Suzuki GSF 1200 Bandit 1200cc; 2002; £2,500.
Rider: female office manager, aged 27. Premium: £105, TPFT, 3,000 miles pa, inc DOB, £200 xs
Aprilia RSV Mille 1000cc; 2003; £5,000.
Rider: male tyre fitter, aged 27.Premium: £210, third party only (TPO) cover, ex DOB, nil xs.
Boom Trike 1600cc; 2008; £14,000.
Rider: male optician, aged 46.Premium: £356.32, fully comp, based on 3000 miles pa, garage clause, ss lock, iod, 350xs.