Anyone who has had a bike for more than a year will know that it pays to shop around EVERY year when insurance renewal looms. All insurance companies seem to offer a low first time buyer rate then oik the price up year on year. It's literally a juggling act.
As has been mentioned already, and I strongly agree with, make sure the policy you're getting covers you for everything you need, ask now not once the policy is sent to you. Check the details as soon as it arrives, any errors not amended could result in a non payment if you need to claim at a later date.
Hi Kev
I was with Carole Nash for both my 3PF&T and breakdown recovery and never had to wait long to be recovered, which is excellent if you're a female on your own at nite, altho sometimes the person on the other end of the phone didn't always listen closely and I've had to guide the mechanic to where I was, via the *mobile phone, cos they were given the wrong details.
*Keep your mobile phone charged and with you on all journeys.
I'm assuming that breakdown cover would be cheaper if added to your insurance but, as insurance companies seem to differ greatly, I would advise shopping around, it may be that it's cheaper separately. Also ask if there is a distance limit to the breakdown recovery, it could prove costly if there is. My policy covered me even if I broke down outside my home lol not as funny as you may think, the bike I had did just that a couple of times.
Let us know how you get on.