Your riding record
Each year that you ride without a making a claim on your bike insurance gives you a year of no claims discount (NCD), which can reduce the cost of your insurance when you come to renew it. The more years you ride without making a claim, the greater the discount on your premium could be.
Most insurance providers will accept up to five or six years’ worth of no claims to calculate a discount on your premium, meaning that the level of discount will tend to be capped at that point, no matter how many more years no claims discount you accrue.
Conversely, if you have any penalty points on your licence, you can expect to pay a higher premium.