If you live in the UK and plan to buy a motorcycle, you must be aware of the fact that you will need to get motorcycle insurance. It is illegal to drive any motorised vehicle in the UK without insurance. First, like for cars, there are three types of motorcycle insurance that insurance companies can offer you. The first and the most common type of motorcycle insurance is called ‘third party’ insurance.
You can get this motorcycle insurance, which is the cheapest one, and it meets the legal requirements. What this insurance means is that if you damage the property of a person or cause damage to any person, your insurance will cover those damages. That is why it is called third party insurance. However, if in the accident you are harmed or your motorcycle gets damaged the insurance will not pay for it.
The second most common type of insurance is called third party fire and theft. This type of insurance is also quite popular. It has the same cover as the third party, insurance and the only additional benefit that you get is that in case your motorcycle is stolen, the insurance company will cover the loss. In case your motorcycle is damaged in a fire, again the insurance company will compensate you. That is why it is known as fire and theft.
The third and most expensive type of motorcycle insurance is called comprehensive insurance. This insurance not only covers damage to other people and property, it also covers damage to your machine, replacement of parts that may have been damaged in the accident, and lastly, it also covers your injury.
These are the three types of motorcycle insurance cover offered by insurance companies in the UK. Now since a motorcycle can seat two people, you will need pillion passenger insurance. This insurance is automatically extended in motorcycle insurance. However, if you do not plan to have a pillion rider ever, then you should state this to the insurance company and they will give you a discount on your premium. Of course, you have to make sure that you never seat a passenger on the pillion seat on your motorcycle.
The insurance cost will depend on your age, the type of motorcycle you own, the power of the motorcycle, and the area where you live. When you get motorcycle insurance, do read the fine print of the policy very carefully before you sign on the dotted line. Do not take for granted what the insurance agent is telling you, as he/she gets a commission for every policy he/she sells.
The insurance certificate is a short and simple document. It states who is insured, the type of motorcycle insured, the type of insurance cover, and the period covered by the insurance and the main conditions. The insurance agent may give you a ‘cover note’, so that you can ride your motorcycle until your insurance certificate is ready.
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1. Most insurance companies today require that anyone in your household (family or simply roommates) be added to your policy or excluded from coverage as drivers. A client of mine had a roommate who was excluded as a driver. That roommate never drove the car…. except one time. I don’t know why the owner let his roommate drive… perhaps because he was just going down the street. Regardless, his roommate ran into another car at 40 miles per hour.
The other car was a total loss and the other driver had some injuries. Guess who was responsible for paying the other person’s car and injuries? My client (and the driver)! Imagine how much money replacing a car and paying the hospital bills for someone else amounts to. Not to mention his car was still ruined.
How you can avoid this:
It may cost nothing to add family or roommates to your policy.
In fact, it may actually bring your premium down if they’re a better or more experienced driver than you. So, get them added or make sure they never drive your car.
2. Another client had a ridiculous H2 (Hummer) with huge rims, expensive tires, chrome everywhere, expensive stereo… really over the top. Apparently he misjudged the depth of a certain stream. The H2 got stuck underwater. He came out okay (just a little wet) but his car was a total loss. He did have property damage coverage so he only had to pay his deductible to get his car replaced. However, he did not have the extra coverage for his aftermarket rims, chrome accessories, or expensive stereo which would have cost him only a few more dollars. He got his car back but it was just the stock model.
How you can avoid this:
If you have any aftermarket equipment (anything that didn’t come on the car from the dealership) of any substantial value (generally over $ 100) ask your insurance agent/company if you need to purchase additional coverage.
It’s typically inexpensive.
3. Murphy’s Law (anything that can go wrong, will) applies especially with car insurance. A number of my clients were late on making their car insurance payments. Their coverage expired as a result. Sure enough, they caused accidents during that small window of no insurance. They were responsible for the costs of everything.
They inevitably asked the insurance company to “help them out just this one time” but with no luck.
How you can avoid this:
Be sure to pay your insurance bill on time! It works the same as your electricity bill. If you don’t pay your electricity bill, your electricity gets turned off. Same with insurance. They “turn off” your insurance if you don’t pay them.
Download a FREE report detailing the three most important tips to SAVE MONEY on your car insurance and increase your protection at 3InsuranceTips.com
Antique motorcycle insurance is must for all vintage and old motorcycles whether they are being kept as collectives or they are being driven around. Since antique motorcycles are very precious to their owners, they should make sure that they get enough insurance so that they can be protected against any type of damage or theft. People all around the world loves to see these vintage motorcycles and sometimes there are special shows and parades where these vintage motorcycles are shown off.
While choosing an insurance company for your motorcycle, you need to make sure that you have insurance from a company which is reputed and specializes in antique motorcycle insurance. You may get it from a normal company but they may treat your special motorcycle as a normal one and may not be able to value the bike in a proper way. Agreed value of the motorcycle is one of the important features of motorcycle insurance.
Other things which are covered in an insurance policy are mileage on the bike, spare parts coverage and they even increase the value of the motorcycle after every year since it is a vintage motorcycle.
But all motorcycles do not qualify for antique motorcycle insurance. There are certain criteria which make a motorcycle and its owner eligible for this kind of insurance. These include the age of motorcycle and driving history for the owner. The motorcycle should not be used in any kind of racing and it should be kept in covered and locked garage. The motorcycle should not be used for commuting purpose.
There are various companies which provide antique motorcycle insurance coverage. You can search them over the internet to get the premium amount quotations as well as terms of the policy.
You can compare different companies before finalizing the suitable insurance policy for your motorcycle.
You have purchased your new bike and are very excited about it. But before you take it out for a nice spin, do check if the motorcycle insurance is in place. Just like auto insurance, you also need to take motorcycle insurance for your bike. There are many insurance companies that provide this type of insurance. This insurance can be applied online and just like you can get cheapest auto insurance quotes from these companies, you can also get cheap insurance quotes for your motorcycle.
But in order to get these quotes, you have to understand the kind of insurance policy that you need. Today you can choose from a variety of insurance policies:
Collision insurance is a type of insurance for motorcycles that protects the rider from damages that arise due to collision with another vehicle or an object. Whether the rider is guilty or not, in both the cases this cover can be availed of.
Another type of motorcycle insurance is comprehensive cover.
In this cover the rider is covered for all other reasons other than collision. Thus the bike could be damaged due to a fire, etc. and this can be covered under this insurance.
Another type of insurance is liability coverage. This insurance is also sub-divided into two parts. Bodily injury liability coverage pays for the expenses that arise to the rider or the other ppl involved in an accident. And property damage liability coverage indemnifies a rider against the damages done to other person’s property.
Then there is another kind of insurance called as roadside insurance coverage. This coverage provides help in case the bike rider in stuck in snow, or his bike has stopped working due to some fault in the battery, etc.
Motorcycle owners love to adorn their machines with accessories. They could have sidecars, chrome parts, trailers, etc. attached to their bikes. Bikers also use protective gear and clothing to protect their bodies in case of accidents. There are many insurance companies that provide the optimal equipment coverage and safety apparel coverage for such bikes.
So, before applying for the policy, the bike owner has to find out the exact policy which will suit his needs. Apart from that he must also know the amount of insurance necessary to be taken. Hence it becomes very important for the bikers to ask for cheap quotes similar to the cheapest auto insurance quotes available online and only then buy the motorcycle insurance policy.