For many people the motorbike is the ultimate road vehicle, but it’s important to remember that they also come with additional safety and security risks. This makes proper motorcycle insurance a vital consideration, and having it in place is essential if you want to be confident that everything is under control.
This type of insurance is a legal requirement – you need to have an adequate policy in place before you can drive on public roads – but that isn’t the only reason you should have it. It’s there to provide valuable financial recourse in the event of an accident or of your bike being stolen, and as they can be expensive vehicles it makes sense to have your purchase covered.
But, motorbike insurance doesn’t always come cheap. Insurers view motorcycles as being quite risky in terms of the likelihood of having an accident and of it being stolen, and they’ll charge their premiums accordingly. This makes it even more important to do your research, because if you look around and compare several options you could well save some cash.
You might also want to look out for other ways that you could reduce your premiums. If you’ve got insurance-approved security devices you’ll be reducing the risk of your bike being stolen and could well enjoy a discount because of it, and many companies will offer additional discounts if you’ve got an advanced riding qualification. Both of these factors indicate that you’re less likely to make a claim, so anything that can be done to reduce premiums and increase the level of trust you instil in your insurer should be considered.
It’s also important to note the different types of insurance you’ll be able to find, with all situations being well catered to. Classic bikes can often enjoy cheaper premiums, and if you’ve got a motorbike with a sidecar you’ll easily find the policy to accommodate. Sidecar insurance is often provided as an optional extra and doesn’t have to add much to your premiums, and is just one of the many additional features you could enjoy.
When looking for motorcycle insurance there are a number of things to bear in mind, and ultimately the benefits far outweigh the costs. There are plenty of options you can go for depending on your needs and budget, and with the right insurance in place you’re free to get out on the open road and experience the thrill of motorcycling for yourself.