subject: Why You Need Motorcycle Insurance [print this page] A person riding a motorcycle is far more likely to become involved in an accident that a person driving a car, van, or caravan. Why is this you might ask? Even the most experienced rider, no matter how safe or aware they are can have an accident and usually it isn't even their fault. A motorcycle is much smaller than another vehicle and therefore other drivers have a harder time seeing them.
Most motorists may not even be paying attention to a person on a motorcycle, because of blind spots, or they are just careless. A person riding a motorcycle who is involved in an accident usually has far more injuries, many which are severe, than a person driving an enclosed vehicle.
For this reason and many others, it is important to have motorcycle insurance. Even if you are not involved in an accident, but motorcycle insurance is a legal requirement. If you are found to be riding without insurance you can suffer heavy fines, driving bans or possibly even imprisonment.
It is just safe in the long run to have motorcycle insurance. There are many different types of cover and because you are riding a vehicle that is for often involved in a collision, it is just a good idea to get as much cover as you can afford. You are going to need liability insurance to start with.
This type of insurance cover property damage and injury to other people or vehicles when you are in an accident, but doesn't cover you. Some policies do include your passengers, which is a good idea if you let other people like your wife, girlfriend, or children ride with you.
If you want to cover yourself in an accident, then you want to include collision and personal injury insurance. This not only covers your vehicle, but any injuries you sustain in an accident, minus your voluntary excess. This means that even if you aren't at fault, your bike and you are still covered. Collision insurance will pay for whatever the book value of your motorcycle was before the accident.
Then you should also include uninsured, or under insured cover as well. Even though you may have insurance, doesn't mean the other person will, or they may have minimal cover and this will cover you regardless if the other driver has insurance or not.
Another form of insurance that you might want to consider is comprehensive insurance. This covers you for any other kind of damages that can occur to your motorcycle. This includes but is not limited to theft of your motorcycle, fire, or vandalism. As with collision, this only pays the book value of your ride and you may have to get additional cover if you have added accessories like a custom paint job and extra accessories like a side car.
Just like any other kind of cover, you need to shop around for the best rates on motorcycle insurance. This means getting quotes from several different insurance companies and finding discounts wherever you can.
by: Tom Jones
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