Best Insurance Advice For Learner Motorcyclists
There are a few different types of insurance available to motorcyclists. These include:
Third partyThis level of insurance covers liability for damage or injury to a third party and damage to their property. However, it doesn’t include damage to your motorbike or personal injury, or if your bike is stolen or set on fire.
Third Party Fire and Theft (TPFT)This provides a similar level of cover to third party insurance. The key difference is that cover for your own bike is provided, in the event of loss or damage is provided.
ComprehensiveThis is the highest level of insurance, and one which might be able to provide the most peace of mind. It will provide extensive cover for yourself and your own bike, plus the associated cover of third party insurance. There may be optional extras for leathers or European riding, too. For riders who have completed their compulsory basic training as well as their practical test, pillion insurance for carrying passengers is an option.
Younger motorcyclists who have recently passed their practical test are, unfortunately, subject to higher insurance premiums than older riders. This is due to the increased likelihood of being involved in a road traffic accident, and the insurance company having to make a payout.
There are several ways in which young riders can save money on their bike insurance.
Stay SafeBuilding up a track record of safe motorcycling can make your insurance cheaper in the long run. If you have a good ‘no-claims’ history, and a license that is free of convictions for speeding, riding without due care and attention or worse, then insurers will perceive you to be much less of a risk, and reward you with a cheaper premium as such.
Avoid modificationsKeep your bike to factory specification, as modifications will make insurance more expensive.This is because of the increased risk of being involved in a road traffic accident, greater appeal to thieves and higher costs of replacement.
Invest in securityMaking an investment in devices approved by Thatcham can lead to a cheaper insurance policy due to the reduced risk of your bike being a subject of theft.
Lock it up at nightKeeping your motorcycle locked up in a garage or secure parking overnight will also reduce the risk of it being targeted by thieves.
Agree to a higher voluntary excessDoing this could make for a cheaper policy, but always make sure it’s at a level you could comfortably afford in the event of having to make a claim.
Limit your mileageDriving within a fixed mileage will lower the chances of you having an accident whilst on your motorcycle, so if it’s practical to do so, go for a lower amount. (This may be more suitable for ‘weekend riders’ than individuals who use their bikes day in, day out.)
Shop around for a dealDon’t just accept the first motorcycle insurance quote you receive. As there is a lot of choice in the marketplace, a better deal may be out there. To help in your search for a cheap car insurance quote, you could use a comparison website, which will allow you to easily look at the prices and features of insurance policies from many different companies by just entering a few details, so you can find a deal which is right for you.
Bike Insurance Directory click here.
Anam’s hobby is to bring lots of new helpful ideas and advice for insurance shopper in the UK.
Over 60% of serious motorcycle accidents on UK roads are at least partially caused
by other road users not seeing the motorcycle (i.e. not looking carefully enough).
Don’t put your life in their hands – RIDE DEFENSIVELY.
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