Where you live
Vehicle insurance is a bit of a postcode lottery. If you live in a high crime area, particularly one with high bike thefts, you’re likely to see this reflected in your premiums. And in general, if you live in a busy town or city, you’re at greater risk of being involved in an accident than if you live in a quiet, rural area.
Unsurprisingly, as of 2017 the most expensive place to insure your motorbike is in London, with Manchester, Liverpool and Bolton also coming high up the list.