A Guide to Motor cycle and Motor Insurance

A Guide to Motor cycle and Motor Insurance

You might be purchasing clothes or shopping for motor cycle insurance; whatever, the case, at all times you desire to get your money’s worth. Therefore, what is the secret of obtaining dependable and reasonably priced motor cycle insurance?

How to Shop for Motor Insurance

For the most ideal transaction, shop around. Obtain numerous motor cycle insurance quotes from varied insurance firms prior to you purchasing or renewing your policy. Insurance firms are different; therefore, you can obtain a better transaction elsewhere.

Avoid being scares of changing. You can change insurance firms any time you desire; even at the middle of your motor cycle insurance policy period. If you get an improved rate, change and save.

Three kinds of motor cycle insurance exist:

  • Third party, that caters for your legal liability in case you destroy another individual’s physical belongings such as (walls, motor cycles, gates, etc.) because of a driving accident.
  • Third Party, Fire and Theft, presents third party cover and includes a couple of helpful sections of cover – fire damage to your vehicle and theft, as well as destruction caused by stealing or attempted stealing.
  • A totally comprehensive policy is inclusive of Third Party, Fire and Theft and shall additionally pay for destruction to your personal motor cycle in case of an accident. A lot of perks are available also; for instance, it shall also offer you cover when you drive vehicles belonging to other individuals. This is helpful if you borrow another person’s vehicle and you are not covered by their insurance.

The elements below have an impact on the payment you submit for your premiums

  1. Your work
  1. Your age
  1. Your driving record

The vehicle you drive: The more expensive the motor cycle, the higher the premium. Motor cycles of top performance are also more costly to insure, compared to their stock standard counterparts. An insurance premium for a Toyota may be different than the price of insuring a Harley Davidson.

Vehicle Location: You shall pay extra if you keep the vehicle in a location where crime is rife or park it at night on the street.

Purpose you utilize the motor cycle for: You will pay extra, for instance if you intend to utilize the motor cycle for business delivery intents.

The excess set-up you select: The more the excess, the less the premiums.

Satellite Tracking and Gear Locks: Shall assist to lower your premiums.

In case you are purchasing another vehicle, do not overlook to shop around for insurance!

For someone who is purchasing a vehicle for the first time, the procedure can be a hard decision. A lot of purchasers do not know that they should have insurance prior to driving their latest vehicle from the showroom floor.  The financial institutions offering the funds for the purchase shall be adamant about this so as to facilitate the safety of their latest asset.

Do not simply give in to the initial offer presented to you; obtain a minimum of 3 quotes prior to reaching a decision. ‘A lot of finance institutions or banks are associated with an insurance firm or brokerage company. So, new purchasers might experience pressure to obtain insurance cover via the supplier the bank prefers.’

It is vital to be aware that it is not possible to implement this and the client is the one who should decide. This makes it necessary to shop around for quotes that are competitive to make sure you are presented with the most ideal transaction; in regard to cover as well as cost.

‘This is mandatory for youthful drivers, since they are regularly fined for their age and absence of driving experience, leading to increased premiums and excesses.’

Cash purchases are not excluded from the requirement of insuring their latest motor cycle. Hijackings and thefts remain a reality and the increasing number of vehicles on the road places all drivers at increased danger of getting into an accident.

Selecting an insurance product which is appropriate in regard to value adds, budget and excess to be paid is a meticulous decision. With the correct advice, it can be made logically and safely.

A lot of youthful, first-time purchasers discover that buying insurance via a direct insurer is in reality, an easy procedure.

It is possible for them to attain a customized insurance solution which meets their particular requirements. Using direct insurance, extra charges are not paid by clients to obtain what they require.

Any driver on the verge of going to buy a new motor cycle would be advised to think of the direct insurance advantages, which entail saving time and cost.




Motorcycle riding in the winter

Driving your car doesn’t get that much harder in winter, but a motorcycle is a different story. Because it relies on the weather a lot more than a car does, you can’t always go for a ride. Or can you? There’s absolutely nothing stopping you physically, but it’s not advisable. In case you do decide to go for a ride in the colder months, here are a few tips which might prove handy.

Winter beater

Lots of people store their main cars in the garage for the duration of winter, so why should the bike be any different. Instead of abusing your pride and joy during the winter, get something cheaper and smaller. A Honda CB500 or a Yamaha XJ600 are perfect for the job. They’re reliable, relatively cheap and have lots of parts available. You probably won’t use it every day, but it will definitely prove useful when you get the riding bug.


Heated grips are considered a luxury most of the time, however, the same can’t be said for the colder months in winter. They’re almost a necessity if you’re planning on riding for a longer period during low temperatures. It’s not just a comfort thing either. Cold, frozen hands are next to useless when operating the clutch and the brakes, so it can prove to be unsafe as well. If you don’t have heated grips from the factory, consider handlebar muffs (gloves). A lot of them are heated, and an ideal choice for winter.


Make sure you wear warm gear if you don’t want to freeze. We’re not talking about a sweater underneath your gear either. In addition to the heated solutions available, consider purchasing motorcycle waterproofs designed for the rain and thermal base layers which will keep the heat inside. Great pair of gloves are vital too. Warm gloves are amazing, but make sure they’re not so thick that they affect the way you operate the bike. If they act as a visor wiper, all the better.

Gear Part 2

Wear high visibility gear! It doesn’t matter if it looks sillier, as it may just save your life. Winter driving is especially hazardous for riders, as visibility is lower and the roads are black thanks to the rain. Whatever you do, don’t wear all black gear. It looks cool, agreed, but it isn’t practical in winter. Try to find some gear with patches of high-visibility material if nothing else.

Grippy Tires

The standard tires are probably useless in winter, just like with a car. Try to get your hands on some winter tires if you can. Studded tires are not that common and are overkill most of the time, but simple winter tires do miracles. Consider Dunlop’s Sportmax Roadsmart 2 or Michellin’s Pilot Road 3. Both provide excellent traction in wet and cold conditions. They make all the difference in the world, trust us.