Motorcycle insurance is much the same as car insurance. Third-party, Third-party, Fire and Theft and Fully Comprehensive policies are available for motorcycles just as they are for cars. However, not every car insurance provider will offer motorcycle insurance. This is because statistics show that motorcycles are involved in far more accidents per year when compared to cars, making motorcycle riders more high risk insurance customers.
Getting a good deal on your insurance policy is important to everyone and insuring your motorcycle can be very expensive, especially if you’re a new motorcyclist without any no claims to your name. Happily, there are a number of different factors which insurance companies will look at when determining the price of your policy that you can influence to cut the cost of your premium.
Insurance providers will assess your details differently which is good news as an expensive quote from one insurer won’t necessarily mean an expensive quote from the others. This confirms the importance of shopping around so you should get quotes form different insurance companies by using comparison sites and specialist motorcyclist insurers such as Bennetts insurance, to find the cheapest quote that best suits your needs. If you are a young rider then it may be worth putting the policy into your parents’ names if they are qualified motorcyclists and putting you as a named driver, this will decrease your premiums by a large amount.
One more thing to keep in mind is make sure you get the correct level of protection with your insurance provider. You shouldn’t always go with the cheapest quote because you might not be covered in certain eventualities and with motorcycle accidents being more likely to happen you need to make sure you are covered, also if you go for the cheapest cover you might have to pay a large excess if you have an accident.
Avoid making a claim for every little thing as it can cost you in the long run. By make a claim on your insurance you won’t build up a no claims bonus that will bring your premiums down in the future. In fact making a claim is almost certainly going to push up the cost of your insurance in the future. Therefore it can be much better economy to pay for minor accidents yourself rather than using your insurance to pay.
Your insurance premiums will vary depending on the type of bike you get, more specifically its engine size as insurers equate speed and power as being more likely to be involved in an accident and therefore a greater risk to insure.
Some insurers will bring down your premium if you have passed an advanced riding course as it demonstrates to insurers you are a better rider who is less likely to get into an accident and make a claim.
Insurance can undoubtedly be very expensive but if you can afford to pay for the entire year in one payment you’ll pay less overall than if you pay for your cover monthly.
When it’s time to renew your insurance policy it’s import to compare what you are being quoting with other insurers. A lot can change in a year and there are probably cheaper policies out their from companies who want you to take out insurance with them and offer cheaper insurance in order to get your business. You can also tell your current insurer the quotes you’ve had from other insurance providers in an effort to get them to match or even better them if you want to stay with their company.
When you are riding your motorcycle on the road in the UK you are required by law to wear a helmet, and it is advised that you wear leathers for protection. expensive leathers and helmets can be. With some equipment costing almost the same amount as your motorbike it is recommended that you get insurance for it as well.
As the most important piece of protective clothing, a helmet protects against fatal head injury, flying objects, cold and wind. As damage isn’t always visible by eye it is recommended that you never buy a second hand helmet. There are two types of helmets, open-face and full-face, and they are made up of 3 basic materials, glass fibre, Kevlar and polycarbonate. If you decide to go for the open-face helmet, then you should make sure that you purchase the adequate face and eye protection as well.
As your hands are always in the open air you need to make sure that you have comfortable gloves to protect your hands from blisters, wind, rain, cold and sun. There are many different types of gloves available for all seasons. Gloves aren’t just to protect your hands; leather gloves also provide improved grip for the handlebar meaning that you have more control over the bike. You need to make sure that the gloves fit comfortably and that they aren’t too tight, or too bulky as this may cause problems operating the controls.
In the unfortunate event that you crash your motorbike, leather clothing will give a high level of protection against injury. For day to day riding, long sleeves and leather trousers will provide a comfortable ride and will protect you from sunburn, windburn and hypothermia. You need to make sure that the equipment isn’t bulky, but also that it doesn’t restrict your movement on the bike.
Like car insurance it is illegal to ride your motorcycle without the proper insurance. Almost 10% of all road casualties in the UK in 2010 involved a motorcyclist. If you are unfortunate enough to have an accident or your bike is stolen, you will need to claim on your insurance.
If you are involved in an accident then you need to get the registration number, make, model and colour of the vehicle as well as the name, address and telephone number of all motorists involved. Whilst you are still at the scene you should also make a note of the road names, speed limits and directions of which you were travelling. You need to collect as much evidence as you can, take photos of any damage. If you are injured, you need to make sure that you go for a check-up as you will need proof of this for any personal injury claim that you might wish to make in the future. Try to be courteous, if you are aggressive or rude then it is more likely that the other party will lie in their claim. Make sure that you do not admit liability – even if you are in the wrong.
Having the right details to hand can make claiming on your insurance quicker and easier. When calling your insurance company make sure you have all third party details, contact details for any eye witnesses, if you reported it to the police then you need the incident number and details of exactly what happened. Incidents of criminality or injury will need be reported to the police. If your bike is stolen or vandalised your insurance provider will request the police crime number which is issued to you when you report the incident to the police. Insurers need this number to make sure you are not making a fraudulent claim. Therefore, you must report damage or theft to the police first before contacting your insurer.
It’s important to keep records of your dealings with your insurance provider, this means taking down names and times of who you speak to as well as notes on the conversations you have. This will give you something to refer back to should the insurance company contradict itself and give you an idea of where you are with your claim.
Most insurers will usually use specific garages within your area to handle claims for repairs so it’s advisable to wait for the go ahead from your insurer rather than sorting it yourself and hoping they’ll reimburse you later as doing this may cause problems.