subject: What Does An Average Honda Motorbike Insurance Look Like? [print this page] Most people in the UK insure their cars and bikes simply because they have seen their parents do the same from the time they were children. What this means is that people purchase policies without giving it their proper attention. In practical terms, this translates into most people purchasing the first motorbike policy that they come across.
In earlier days, this strategy would have been sound because the insurance purchase process was already extremely long drawn out and tedious. However, in the current set-up of fast and streamlined online insurance purchases, it is extremely foolhardy for any person to buy the first policy he comes across because there are so many options available. With the whole insurance purchase process becoming faster and easier, the focus has shifted to making an extremely well researched and measured purchase. In order to conduct such due diligence into the various options available online, you need to know the basic features of a motorbike insurance policy. The following are those features.
1. Road related damage:
The backbone of most comprehensive motorcycle policies would be the road related damage protection. When it comes to a bike, accidents are very commonplace because it is so easy for the rider to lose balance. Such accidents mean that the rider will have to have repairs done to his bike that can cost a lot. Therefore, the road related damage clause of most policies would protect you from the financial implications of repairing any damage to your bike resulting from an accident.
2. Natural accidents:
It is not only road related accidents that will cause you to pay through your nose to fix the damages. Sometimes, a natural accident can also result in your bike getting significantly damaged. Natural calamities like floods, earthquakes, landslides etc. can really wreak havoc on simple machines like motorcycles which is why most motorcycle insurance policies would cover you for the cost of repairs for damages caused through such disasters.
3. Stolen bike:
If you are a seasoned biker then you know how easy it can be for someone to actually steal a motorcycle. All a person needs to steal a bike is four people and a van. Since stealing motorcycles is so easy, most insurance providers make certain that compensation for such an incident is included in their policies.
4. Third party liability:
This is the basic requirement of the laws of the UK. As per the Road Traffic Act of 1988, a motorcycle needs to be insured with a policy that has this clause if it is to be driven on UK roads. This clause mainly caters to the financial implications of lawsuits resulting from your bike damaging someone else's property. You should also note that this clause would also cover personal injury to another person caused by your motorcycle.
There are many exceptional Honda motorbike insurance policies online which provide a lot more than the four aforementioned features. Now that you know what an average Honda motorbike insurance policy looks like, you would be able to pinpoint policies that are above the average standards.
by: Neil Anderson
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