Motorcycles can present serious safety hazards. The number of people killed or seriously injured in a road travel accident in the UK involving motorcycles was 147 per 100 million vehicle kilometers. 80% of motorbike accidents result in injury or death versus 20% of four wheeled vehicles. With these increased safety hazards it’s important to make sure you are prepared in the event of an accident. Proper motorcycle insurance can help prevent a bad situation from becoming worse by protecting your money and your property. With so money companies and policies to choose from how do you decide which options are right for you? Here are 10 tips to help you sort through the hundreds of Motorcycle Insurers and pick the best Motorcycle Insurance Services for you.

1. Educate yourself and know the terminology
When shopping for motorcycle insurance, there will be a few reoccurring terms like premium and excess. It’s important to know and understand them. Grab an insurance brochure and research the terms you don’t know online.

2. Make sure you understand different coverage options
Collision, comprehensive, and uninsured/under- insure motorist are the three main coverage options. Collision coverage pays for damages to your motorcycle when you are at fault in an accident. However, there are other factors that could cause damage. An act of god like a storm, flood, or fire can be covered under comprehensive insurance.

3. Know your statistics and how they will influence your premiums.
Your age, gender, credit history, occupation, location, riding/driving history, and type of motorcycle can all affect your premium. If you are a younger motorist with little riding experience your premiums can be much higher than someone who is older with more experience.

4. Understand your needs
Based on your needs you may only want to get the bare minimum insurance required. Based on another person’s needs they could require extras. If you ride on rural roads and have an accident would it be difficult to reach someone? Well, maybe you would consider road side assistance. If you are constantly riding with your partner or friends or maybe you and your spouse both ride the motorcycle, then maybe you should consider guest and passenger liability. Sometimes with older bikes the deductible can be higher than the value of the motorcycle. So you may not need collision.

5. Don’t over insure
Now that you understand what’s available and what you need don’t over insure. Don’t get options you don’t need. It will only make your premium higher for no reason.

6. Shop Around and Compare
See who offers all of what you need for the best price. Obtaining different quotes from multiple motorcycle insurance services is quick and easy online.

7. Customer Service
The last thing you want is a hassle when you file a claim. When considering motorcycle insurers call their help line to get a feel of their customer service. Also, ask friends family and neighbors who have had to file a claim with them about their services.

8. Company financial reputation
Insuring a motorcycle with a motorcycle insurer who is in financial trouble can be a big mistake. This could make filing a claim difficult as well.

9. Request Seasonal Insurance
When insuring a motorcycle consider how often you ride. If you only ride during certain seasons some motorcycle insurance services offer seasonal options.

10. Ask for discounts
Many motorcycle insurers offer different discounts. Some offer discounts to students, good drivers, senior citizens, and people with good payment history. It doesn’t hurt to ask and you may get a great deal.

Keep these tips in mind and you should be able to select the right coverage with a good company for the best price.

Author Bio: Suzanne Waters is a great motorcycle supporter and as a result writes about everything associated to motorcycles and where to get the most beneficial motorcycle insurance quotes and deals. Please visit http://www.seriousmotorcycleinsurance.co.uk/ for more information on motorcycle insurance deals.

Category: Legal
Keywords: insurance,motorcycle insurance,motorcycle insurance deals,motorcycle insurance quotes,legal