Optional Features That You Should Look For In A Good Motorcycle Insurance Policy
Every person who has ever owned a motorcycle knows that even minor accidents can
lead to extensive damage to the motorcycle because bikes tend to be less sturdy than a car. This extensive damage can be very difficult for the motorcycle owner to get repaired because the costs can go through the roof. As much as this fact is valid for regular city bikes, it is even more relevant for motorcycles that fall in the higher cost bracket.In fact, if the motorcycle falls on the higher end of models and costs, then it is highly likely that even minor scrapes and scratches can lead to backbreaking costs of repairs. Hence, just getting a normal insurance policy for your motorbike may not be enough. You will, instead, need a policy that can give you added benefits like the following:
1. Breakdown Cover:
If you have experience with bikes, then you know that if something goes wrong with your motorbike, you cannot leave it where it is to get the mechanic or the repairman because it can get stolen. Instead, you will have to drag it to the nearest workshop for repairs. This is why breakdown cover is important for motorbikes. This cover is, basically, designed in a way that you do not have to drag your motorbike anywhere. On the contrary, you just wait with the bike and call the mechanic to your location.
2. Personal Accident Cover:
As much damage an accident can cause to the bike, more damage will be suffered by its rider. Injuries through motorcycle accidents can be very serious and hence require expansive medical treatment. In order to sidestep the exorbitant costs of such medical treatment, you need your policy to have personal accident cover as well.
3. No Claims Bonus:
Regardless of how relatively cheap motorcycle insurance policies are when compared to four wheeler insurance policies, they can still hurt the pocket. Under this context, it is crucial that you try to find a policy that will provide you with the clause of no claims bonus. No claims bonus will allow you to avail deduction when you renew the policy, if you have made no claims in the last year of the policy.
4. Helmet and Leather Cover:
People tend to love their bikes like childhood friends or even lovers. This means that damage to even minor things like the helmet or leather cover can cause unbelievable grief to them. Thus, a policy that provides cover for damage to these things can really be a bonus for the true motorcycle fan.
5. Riding Other Motorbikes Cover:
As you can probably justify yourself, bikers switch and exchange bikes all the time for variety. This is especially true if the motorcycle enthusiast is a part of some kind of a biker club. If something happens while you are riding another bike, then the majority of policies would not provide you coverage. Therefore, if you do this kind of a thing a lot, then you should look for a motorcycle insurance policy that provides riding other motorbikes cover.
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