Bike Insurance Is A Must - Paying High Premiums Isn't
If you're looking to buy a bike and ride it on public roads in the UK
, you need to have in place some type of bike insurance policy. Irrelevant of what type of bike it is, how long you're going to be riding it for or which public road you're going to be riding on, without at least the most basic of bike insurance policies, you are committing an illegal offence and could face losing your license.Whilst this may be the law, like all laws around the world, there is always going to be a handful of people who don't abide by it. Generally speaking, these people do not take out bike insurance because it's too difficult - using the internet, a bike insurance policy can be had in a matter of minutes - but it's more because they believe that they can't afford a policy, occasionally due to the fact that they have previous criminal convictions.
Unfortunately, not taking out an insurance policy because you believe that you can't afford one is not a reason that would be accepted in any court hearing and is, to all intents and purposes, not a viable reason at all, as bike insurance can be very much affordable to the majority of people.
If you're struggling to find the money to pay for the insurance for your bike because the premiums are too high, then the first thing you should do is take a look at the bike that you're actually trying to insure. A brand new bike may look appealing and turn heads as you ride down the road, but it will do nothing but increase your insurance premiums - somewhat considerably if you're under 25 years of age.
In addition, not only does the age of the vehicle have an effect on the premium cost, but its engine size does, too. The reason behind this is that in general, the larger the bike engine, the more powerful it is and therefore the more experience is needed to be able to control it effectively. Due to this reason, for new or young riders, a bike with a small engine is always recommended, even if only for the first year or two worth of riding, until you accrue several years' worth of No Claim's Bonuses.
And if you really can't afford bike insurance? It's simple - save up until you can. You may think the risk of riding without insurance is only small, but it's far from it and you could end up not being able to ride your bike for months if not years because of one simple mistake. Plus, uninsured bike riders and car drivers are one of the primary reasons why insurance premiums are so high in the first place, as insurance companies have to take into consideration the chances of being involved in an accident with someone who isn't insured.
Don't take the risk or add to the uninsured rider statistics; save up, buy bike insurance and ride your bike legally and safely.
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