subject: The Policy Of Motorbike Insurance [print this page] Almost every country in the world will require that you have some form of insurance before you operate a motor vehicle. The same is invariably true with motorbikes even though there are some individuals who will never even bother with the process. It's true that there are some people who will never experience an accident of any type, but for the moment we will assume that you are not one of those people.
The need for insurance is actually quite clear in most cases even though many people choose to ignore it. What you are dealing with is liability and expense which are not something to take lightly. If you are discovered by the authorities without insurance, your license will most likely be taken away and you may even be forced to undergo certain instructional courses before the license will be returned to you, you'll face hefty fines, penalty points on your license, repeat offenders may even find themselves staying at 'Her Majesty's Pleasure'.
There are different levels of insurance to take into consideration. The majority of people will settle for the lowest level of cover and there is nothing wrong with doing so, but when you are operating a motorbike you might want to consider having some sort of medical cover. Injuries are much more common on a motorbike than they are with any other type of vehicle for a number of reasons, which are not always covered under the NHS. The most common reason is the exposure of the driver to the road. If you find yourself in a motorbike accident, there is a high chance that injury will occur. So long as you have decent medical cover this shouldn't be a problem but if you fail to take out this type of cover then you will be stuck with all of the medical bills.
One of the things you can do with your cover policy is pick and choose what type of policy you have. In essence you can decide what you want to protect and what you want to omit from the policy. One mistake people tend to make is to not expect the unexpected. Let's face it, things are going to happen, and sometimes those things will be completely out of your control.
Basic liability motorbike insurance will pay the damages for anyone you happen to hit, but it will not pay for you. If your insurance policy is too basic, you will not receive funding for a replacement bike, and you most certainly will not have your out of pocket expenses paid. In many cases the choice to use liability cover is one of convenience and ultimately affordability.
In any case, motorbike insurance will ensure that you survive the financial aftermath of your accident in the event you experience one. In all cases you should drive safely, be considerate of other drivers, and hope that you never need to make a claim on your policy. That being said, good luck, and happy riding.
by: Christopher Reinhold
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