All about Motorbike Insurance
All about Motorbike Insurance
Motorbike insurance is very important if you've decided that a motorcycle is the form of transport for you. You will usually find that it is illegal to ride a motorbike on the roads without the proper insurance in place. By having insurance you will be protected against liability if your motorbike is involved in an accident, hits another vehicle or even hits a pedestrian.
If for some crazy reason you decide to ride your motorbike without insurance you are more than likely breaking the law. If you don't have the correct insurance you could face loosing your license. You will find there are three different levels of motorbike insurance you can get; third party, third party, fire and theft, and fully comprehensive.
The first level of cover is third party. Third party insurance is the minimum cover required by law. It is also the cheapest cover available to you.. Should you be involved in an accident it will pay out to someone else to cover any damage done to their vehicles, property or person. This cover will not cover the cost of repairing any damage done to your motorbike.
The second level of cover is third party fire and theft. Third party, fire and theft, gives you the same level of cover as third party insurance. You will find that in addition to this you will be covered for the value of the motorbike should it be damaged by a fire, or be stolen.
Finally is fully comprehensive insurance. You will find this to be the most expensive insurance option, and offers you cover of everything listed in third party, fire and theft, as well as cover for any damage caused to your vehicle if it is involved in an accident. You may find this kind of cover will have additional benefits, such as legal cover.
There are many factors that will directly effect the cost of your insurance. The main factors will include things such as your age, your gender, your driving experience, your no claims bonus, the value of the vehicle, your job and your location. Then the other more minor factors such as where the car is kept overnight and during the daytime, and your annual mileage will also affect the cost of your insurance.
You may find that if you have fully comprehensive insurance, you will have to pay an excess if you claim on it. This will mean you pay the first part of any claim you make on the insurance. Having a higher excess can reduce the cost of your insurance, but if you have to make a claim it can result in your having to pay out a large amount of money.The best way to find the cheapest motorbike insurance deal for you, is to look around for prices. Visit price comparison websites, large companies that do not list on these sites, as well as small local companies. You could even visit a local insurance broker! You can also get involved in advanced rider coursesor do things such as using an improved alarm system.
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