subject: Motorbike Insurance, You And Your Machine [print this page] So you're thinking of buying a new motorbike! There's certainly nothing wrong with that, but if you are indeed going to go that extra mile and buy yourself a brand new bike, you need to take a few things into consideration.
First of all, you are going to need insurance. It is a necessary evil, as you will no doubt find because while it seems to be perfectly useless when not needed, it can be saving grace in the event of an accident.
That being said, there are a few things you can do to lower your motorbike premiums rate if you really want to. First of all, being a safe driver is paramount to getting the rate lowered. The longer your drive without an accident or violation, the more likely your insurance company will be to work with you on the price. You have to remember that insurance companies are all about profit and they will make a greater profit if you are a safe driver. In other words, you won't cost them any money.
Keep in mind that the younger you are, the more expensive the policy is going to be, especially considering that you are trying to obtain cover on a motorbike. Motorbikes like Honda are going to be a risky endeavour, so when you are planning to purchase your Honda motorbike insurance, you might wish to wait until you are a bit older.
Of course age doesn't have everything to do with it! In some cases the type of bike might actually lead to a much lower rate. If you choose to ride a newer bike you might be paying a higher rate for a few reasons. First of all, the bike is newer and therefore worth more. That means the insurance company will be paying out a bit more money than usual to replace your bike in the event it is damaged beyond repair.
The second thing to take into consideration when buying your Honda motorbike cover is that an older bike will be a bit slower. Sure you may not get the speeds you were dreaming of, but often times the last generation of motorbikes were just as good as the latest. In other words, never go for the latest and greatest if you feel that you cannot afford the policy to protect it.
You can get plenty of discounts on your cover if you are not using the bike for any sort of extreme sports. For instance, many companies will give you a discount if you are simply travelling from home to work on a daily basis. The shorter the distance you travel, the more money you will have discounted from the policy.
Honda motorbike insurance is definitely out there and definitely available if you know where to look. Make sure that you ask about the different discount programs and opportunities that you may very well be entitled to, as they will help you greatly in the future. That said, get out there and find the right insurance policy for your needs.
by: Tom Jones
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