It's a common misconception that having fully comprehensive insurance means you can ride any motorbike. Unless your insurance states you are allowed to ride other motorcycles do not take the risk, no matter what the circunstances. If you are unsure and your documents are unclear, ring your insurance company to find out.
You can reduce payments by offering a voluntary excess, but keep in mind not to offer a huge sum as you will need to meet it if you make a claim. this also means it may no be worth claiming for a small accident, or repair. Some insurers still insist you inform them of all accidents, even if you do not claim.
Remember when shopping around for a new insurer that your no claims bonus may be moveable; always mention any bonus you may have to your new insurer.
