First things first, any claims made against your motorcycle policy can and will affect your car insurance premium.

In this blog we are going to be running down just how your motorcycle insurance can affect your car insurance, so without further ado - let’s get into it!

When it comes to adding a motorcycle onto your existing car policy, some brokers/insurers out there may be able to offer you a multi vehicle-type cover. However, this is not common in the market, so it is always worth checking with each insurance company you look at whether or not this is something they can do.

If you are searching for a car insurance quotation, it may be well worth your time to mention if you have received a number of years' worth of Motorcycle-earned No Claims Bonuses as this may be taken into account when calculating your premium.

When setting up a car insurance policy you will need to declare any incidents regardless of whether they are fault or non-fault claims. Typically insurers will ask you whether or not you have made a claim within the past five years so it is important to note down any made within that period on any road-insured vehicle.

Failure to declare an incident or claim may lead (or cause) your insurance to either be cancelled or even nullified. Also, if you then find yourself needing to make another claim with that policy, you may end up paying out of pocket!

Unfortunately, there is no right or wrong answer as to whether car insurance or motorcycle insurance is more affordable.

This is because there are a variety of factors involved when going through the quoting sequence and factors such as (but not limited to) age, location, occupation, and riding and/or driving experience will all play a huge part in the overall price of your premium. 

For example, someone who has been driving for 20+ years may have cheaper insurance on their car than they would if they'd just insured a motorcycle for the first time.

So there you have it, I hope you enjoyed my run down on everything you need to know regarding crossing over both your motorcycle and car insurance policies…

If you do want to know more, why not head over to our other do I need to declare a car accident on a motorbike insurance guide?

Last but not least, if you do have your very own motorcycle you need to insure, you’ll be pleased to know you’re in the right place. We here at Lexham can offer you a motorcycle insurance quote via our online quotation form, or alternatively, you can call us on 01379 646 529!