One way to get lower motorbike insurance is to buy a motor cycle that belongs to one of the lower insurance groups. THis usually means a lower power machine or if you only use your bike for pleasure, it may be a low usage policy is a available from cheapest e bike motorcycle insurance.
Remember any claim made against your insurance company will affect your no claims discount and could lead to higher premiums. It is possible to protect theis no claims in some cases if you pay extra. Make sure though you can transfer this, should you choose to move companies.
If you're involved in a road traffic accident that isn't your fault you have the right to claim back losses from the responsible party. Most cheapest e bike motorcycle insurance will do this for you, but if there is a legal issue, you may have to pay fro this seperate or take out extra cover to protect yourself from leagl fees.