subject: Going Beyond Cheap Motorcycle Insurance [print this page] Motorcycle insurance doesn't have to expensive but you shouldn't try to buy an insurance policy based on price alone. Most people think that a basic cover is enough to get them by but when an accident happens, the cost can be much greater if the right plan was not chosen.
An example of this is European road assistance. If you travel outside of the UK, a plan that includes cover all across Europe is something you should strongly consider. If your bike breaks down while you're on the road, you're going to be responsible for getting it towed and keeping it in the shop until it's fixed. This can cost much more than getting a policy that gives you European road assistance.
Another example is home recovery. If your motorcycle breaks down, a mechanic will try to repair your vehicle at the location site. The last thing you want to do is wait days to get your bike repaired and go without the necessary transportation. Some policies cover your hotel, give you a driver for the day and even bring you back home while your bike is undergoing repairs.
Aside from the kind of plan you get, it's important that you choose a reliable company that will be there for you if something happens. Do some research and find out if the company covers you for the whole year. Believe it or not, some companies will not cover you 24/7 with a basic plan and you'll be forced to pay higher premiums for this option.
You also want to know how they're going to handle your situation. Go to car shops and find out which companies have the best roadside assistance and which ones offer you additional services when your bike has broken down. What companies say they'll do for you can actually contradict what happens during an accident. Finding cheap motorcycle insurance is easy but getting reliable service is much more important.
The best companies will offer fast call out times (the time it takes to get a mechanic to your location), special assistance such as drivers and hotel cover and 24/7 cover. Their customer service should be also helpful as well. Their representatives should be able to tell you about their policy and how their process works in layman's terms.
Many companies can have confusing policies with so much technical terms that it's hard to figure out what you're really buying.In conclusion, you can get cheap motorcycle insurance by researching various insurance policies, but make sure that you're also getting the cover you need.
Make sure you talk with their staff to find out how they cover you and how the whole process works should something happen. By going through all these steps, you'll feel secure about the fact that you're covered no matter what happens on the road. Choosing a cheap insurance plan isn't difficult, it's just a matter of taking some time out to do a little research.
by: Tom Jones
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