Whether you're buying a new or used motorbike, the first question you ask should be - what do I want this bike for? Choose a bike that suits you and don't compromise comfort or safety or style.

Make a shortlist with your heart, but let your head ask some important questions before you take the plunge. You love the styling of the GSX-MV-KTM-whateveR, but can you handle 0-60mph in two seconds? Will your feet reach the ground? Can you commute 100 miles on what amounts to a mini-moto-sized missile?

Once you've made your shortlist, get insurance quotes (that's what we're here for), arrange finance and look for a test ride.

Also bear in mind that biking is generally seasonal, so you're likely to bag a new or a used bargain in winter or during the weeks before the licence plate change. If you can wait for the right time, you should find bargains there for the taking.