First Time Bikers Tips On Insurance

by : Anna Stenning

There are some people, like myself, who can go on living their normal lives without the need for a use of a car. Not that I have any burning desire to save the planet from Global Warming, nor is it because I lack the funding for driving lessons. More because I feel that I have no use for it right now and will make the effort to learn to drive one day when the circumstance is propitious. However, there are those who thrill junkies and engulf themselves into the world of Yamaha, Ducati or Honda - in other words motorbikes.

For those of you who fall into the category of thrill junkies, then it is worth taking note on a few points before deciding to make a motorbike your sole form of transportation. The most obvious of all advices is get yourself good lessons. You cannot buy a motorbike without taking lessons and learning to ride one, even if you do have a Class D Driving license. Then research into the type of bike you would like, if you are a rich millionaire then the choices are endless but this will effect the price of your motorbike insurance. This the next very important step into your biking research, so here are a few basic principles about this type of insurance.

There are two types of motorbike insurance. One that covers the rider only, this plan covers the biker to ride any other bike up to a specific size. The second type of insurance covers the type of bike not the biker. This does not automatically mean that you will receive a discount for not making a claim, if you have not been involved in an accident. Motorcycle insurance are similar to normal vehicle insurance, however there are minor differences such as carrying guest liability insurance in certain areas, which offers injury cover for anyone riding on the back of the bike. In addition, the insurance factors in your age, previous driving record, the type of bike you ride and where you garage it.

Other differences in motorbike insurance are as follows; collision coverage that offer cyclists cover for accident s and damages to parts - this does not include cover for customized parts; comprehensive cover that offers reimbursement for vandalism or theft; uninsured motorcycle cover, whereby if the other party who had hit you is uninsured you will be covered for damages loss of wage and medical bills; underinsured motorist which is similar to the uninsured motorist plan only this time covering for extra expenses should the other party not have enough insurance claim.

There are other important factors to consider when buying a new motorbike. The first vital piece of information one must understand is that when purchasing a new motorbike, keeping the bike safe and secure may be an issue if you live in a high-risk area. Therefore parking your bike at your local garage overnight is recommended and will reduce your insurance premiums.

For first time motorcyclists, it is always best to shop around first and get to know the terms and conditions of motorbike insurance. The problems that occur with this kind of insurance is that very often people can pay too much for their insurance and not know what type of insurance to go for - much like the dilemma of buying normal motor insurance. The best thing to do in such cases is to approach a motorcycle insurance broker, who can not only provide you with advice and information, but also direct you to the best insurance policy suited for you.