Motorbikes are one of the most popular modes of transport throughout the world. They can be found in every single corner of the world, and are loved by all, young and old, male, and female. They can be, however, very dangerous when in the wrong hands. And they can equally be very dangerous not only because of the driver but because of the negligence of other users sharing the road with a motorbike. Because of this, it is crucial that your motorbike is always insured. Motorbike insurance can cost a lot of money but is a necessary evil for anyone who is thinking of setting out on two wheels.
This page will hope to offer you a few things that you should know about getting your motorbike insured. Insurance can be, as is the same with cars, a real headache, but it is a necessary headache that cannot be avoided. Serious consequences can arise if one were to drive without having the adequate and necessary insurance, but all of that will be explained in this comprehensive guide about everything you need to know about getting your motorbike insured. Getting your motorbike insured? Here’s what you should know.
It is crucial that you do get your motorbike insured, as driving without insurance can have serious consequences. If you drive without insurance you will not be covered, nor will the other person [or people], if you become involved in an accident, meaning you can be subject to huge fines and be taken to court. Equally, you can also be arrested, taken to court, and even imprisoned for driving without insurance. Driving without insurance is a very serious crime in some places, so for those reasons alone, should be taken very seriously. Driving without insurance can cost you a lot of money and time in prison – anything with consequences as severe as that must be avoided. Still, notwithstanding the severity of consequences, some people still think it appropriate to drive without a license. If you do this, you are foolish and there is nothing more that can be said for you.
Before you get insurance, you should shop around for quotes. Quotes are rough estimates offered by insurance companies. These quotes can range in price, but it is crucial that you get them so that you can get the best deal possible for your motorbike insurance. If you want to get a quick motorbike insurance quote, you can browse on one of the many insurance quote provider websites the internet offers. It is very important that you do this, however, as many people just get the first insurance deal they are offered, without comparing quotes.
If you buy insurance without getting a quote, you may end up paying a lot more money than is even necessary. Quotes will vary in price and what they offer. The more expensive quotes will frequently offer the most services, but it is up to you to decide which you opt for.
Age of Motorbike
Motorbikes that are small or old tend to have smaller engines than the motorbikes that are produced nowadays. For this reason, if you wish to bring down your insurance costs, it may well be worth finding a motorbike that is of a lower specification – or an older model. Cutting down the costs on your insurance is essential, as motorbike insurance can be extortionate. Find an older motorbike, and if you are not into vintage motorbikes, then find a motorbike with a much smaller engine than the ones traditionally driven in the 21st century.
Motorbikes that are modified or have any after-factory additions can cost you a lot of money when it comes to paying for insurance. It is always best to find motorbikes that are not modified and that have no after-factory additions. These additions cost more money because insurance companies, regardless of how professional your mechanic may be, only consider factory additions to be safe. Modifications can be dangerous and for that reason are considered a risk factor, thereby increasing your insurance cost, sometimes massively. Modified motorbikes are to be avoided unless you have a substantial amount of cash to throw on insurance.
When you are applying for insurance, especially for a motorbike, the provider will want to know where you intend on parking the motorbike. If you do not park the motorbike somewhere secure where it cannot be stolen or accessed by other people, your insurance provider will charge you a lot of money. It is, for this reason, very important that you park your motorbike indoors. If you are caught lying and saying your bike will be parked indoors when it isn’t – you can be subject to fines and added premiums. Always have somewhere safe to park your motorbike, not only for your insurance company but for you, too.
Another thing that you should know about getting insurance on your motorbike is that you can reduce the cost of your insurance payments by getting annual payments, as insurance can already be very costly. Annual payments will mean that you do not have to worry about high, monthly payments, and you will be able to significantly reduce the cost of your payments, also. Annual payments are a great way to cut down on your insurance costs, while still getting your motorbike insured. They can be difficult if you do not have the cash to offset the lump sum, however.
Another thing to remember when getting insurance is that if you intend on having any other named drivers on your policy, the younger, the more costly. Equally, if anybody who you are having named on your insurance policy has found themselves in trouble in the past and has had driving bans or been convicted of driving offenses, you will find this costs you a lot of money, too. For your first bike, it may be best that you do not have any named drivers on your policy, that way you can ensure the cost is reduced significantly.
Now, with the help of this page, you know how you can get your motorbike insured, and some things to take into consideration. Unfortunately, insurance is a necessity. Trying to avoid it will just get you into trouble.