Why Insure a Motorcycle?

Despite the obvious truth that it is more dangerous to ride a motorcycle than an automobile, motorcycle insurance is actually quite cheap in comparison. This may be explained by the fact that despite the higher probability of personal injury to the rider of a motorcycle, the amount of injury and property damage potentially inflicted by a car drastically out weighs that which can be done by an errant automobile.

Motorcycles, due to their size, are much easier to conceal and therefore smuggle out of the country, making them likely targets of theft. This is compounded if the owner does not have a garage in which to store it. Nearly all providers will cover theft.

However, It is desirable to have proper coverage on your motorcycle, not only to cover any damages to your bike in the event of an accident, but also to pay for any medical bills or physical therapy that may not be covered by the NHS.

Finding the Right Coverage

Doing a fair bit of comparison shopping for motorcycle insurance is no more difficult than comparing prices for airline tickers. There are many online motorcycle insurers that provide online quotes. Therefore, just a few minutes of comparison can find the motorcycle owner the best possible deal based on his age, driving history, and motorcycle model.

The specific type of coverage plan can vary according to the type of bike, be it a touring bike, speed bike, or a moped/ scooter. When shopping for Motorcycle Insurances it is important to check which category your bike falls under before paying for a plan.

Costs By Model

Mopeds and scooters are popular for being inexpensive to buy as well as being extremely fuel efficient. They are also the cheapest to insure, most model can be comprehensibly insured for less the 100 pounds per month. generally, to be classified as a scooter or moped, the engine must be less than 150 cc.

Touring motorcycles are generally larger and more expensive than more basic models. Generally, they are the more comfortable to ride due to the upright seating position. Motorcycle Industry Association (MCIA) stipulates that for a motorcycle to qualify as a tourer, the motorbike should weigh in at over 200 Kilos, have a wheelbase of between 147 and 155cm, and provide the rider with an upright riding position. a search through online providers shows that this type of bike can be comprehensibly insured for between 100 – 200 Pounds.

Sportbikes offer Ferrari like performance at a fraction of the cost. Distinguished by sleeker styling, lighter weight, and generally have the rider leaning forward. Optimized for for speed and acceleration, at the expense of some comfort, these bikes which one would expect would be more expensive to insure, can still be comprehensibly covered for a similar price to a touring bike. Online Motorcycle insurers can be most useful for this category, as the prices for coverage can be highly variable depending on the make and model.

Comparing Motorcycle insurances online.

A quick internet search will reveal many motorcycle insurance brokers. Using these, the shopper can enter his personal information as well as the specs of the motorcycle, and the brokerage service will bring up a list of quotes from all of the providers within its database, giving the shopper a variety of choices. However, it is advisable to perform multiple searches, as not all brokers have the same providers available. In addition to this, it is worthwhile to go over the fine print in the coverage agreement to properly determine the best value.

Author Bio: Suzanne Waters is a great motor cycle supporter and consequently writes about everything connected with 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 quotes

Category: Finances
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