subject: 4 Helpful Hints To Getting Cheap Motorbike Insurance For Young First Time Riders [print this page] Being able to ride a motorbike a year earlier than you can drive a car (the legal age for someone to own and use a motorbike in the UK is 16, assuming that it has an engine no larger than 125cc and they have completed Compulsory Basic Training, according to the UK public service website, Directgov) is something that has been a major allure for many young men and women for years.
Driving a car may be the preferred method of transport as it allows for travelling in all weather without being cold or wet, but the fact that a motorbike can be had a full 12 months earlier than a car is something a lot can't resist.
If you're just about to buy your first motorbike but are finding that motorbike insurance costs are particularly high, these 4 tips should help you receive the lowest premiums possible.
1. You should always buy an old motorbike, as this is the quickest and easiest way to reduce the cost of your insurance premiums. An old model may not be the most aesthetically appealing or even the most reliable, but it is a proven fact that the older the motorbike (without purchasing a classic model), the cheaper the motorbike insurance premium will be.
2. Inexperienced riders account for 22.73% of all motorbike accidents each year on UK roads, according to a study into motorcycle accidents by the Department of Transport, issued in November 2004. There are many reasons that account for this high statistic, but one of the reasons that is widely discussed is that inexperienced riders believe that as they have passed their test, they are just as qualified as anyone else. Yes, inexperienced, young and old riders should all have the same level of knowledge in respect of general road usage, but experience is paramount to safe riding and is something which can only be accrued after years of using a motorbike.
You should always have due care and attention when on the roads, but make sure that you are particularly conservative in your first few years of riding until you have gained enough experience to be able to ride, for example, for longer distances or at the maximum speed limit.
3. When you first begin riding, limit the number of miles you cover to a minimal amount for the first year. The reason behind this is motorbike insurance companies calculate the chance of you being involved in an accident by the amount of time that you are on the road. Therefore, the less time that you spend on the road, the less chance there is of you being involved in an accident, which will result in a lower insurance premium.
4. Money may not be in abundance if you've just bought your first motorbike, but try and purchase as many security devices as you possibly can. Motorbike insurance companies look favourably on those policy holders who take the security of their vehicle seriously and therefore if you can afford to purchase a wheel lock, chain, alarm and immobilizer, you should expect to see a substantial difference in the cost of your insurance premiums.
by: Christopher Reinhold
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