If riding a bike is your passion then this article gives a clear idea why motorbike insurance is an important part of your life. It also ensures that motorbike insurance covers the full value of your motorcycle in the event of a claim.
Throughout the UK, motorbikes are becoming an increasingly popular way of commuting in cities. This is because even though the roads have become gridlocked with cars, buses and roadwork's, motorbikes are able to weave their way through traffic in order to reach their destination on time. This is a great benefit over driving a car. Other benefits are that motorbikes are much less expensive to maintain, consume less fuel and can find parking spaces regardless of how busy the area may be. So, it is no wonder that there are over 1.1 million motorbikes registered in the UK.
It is a legal requirement within the UK to be insured whenever you are driving on public roads. So, whether you are using your motorbike to squeeze past gridlocked cars to get to work on time or you are a recreational rider, you need to have adequate motorbike insurance in order to keep both yourself and the other road users safe whenever you are riding your motorbike.
Even when you are not riding your motorbike, insurance is just as important. This is because the size and the design of a motorbike makes it much easier to steal than a car. For this reason, most insurance companies deem the insuring of motorbikes to be a high risk. However, those companies which specialise in the insurance of motorbikes feel that they are not necessarily a high risk as long as the owner of the motorbike implements some basic security measures.
The following security measures can help to reduce your motorbike's insurance premium:
1. Always park your motorbike in a well lit area.
2. Use a sturdy security chain to secure your motorbike's frame to a fixed object whenever it is parked, preferably one with Sold Secure approval.
3. Fit an approved immobilizer so that the engine will not start without a key.
4. A Thatcham alarm should be installed.
5. Fit your motorbike with a tracking device in case it is stolen.
6. Mark personal details on your motorbike with an ultraviolet pen.
7. Keep a copy of your motorbike's serial number.
Now that you know what you can do to keep your motorbike insurance premium down, you should also consider a comprehensive policy. With this level of coverage you will be fully insured for the value of your motorbike in the event of an accident plus the repair cost for any damage that anyone else sustains. You may even be able to find a policy that will cover any personal claims that are made against you, and cover your legal expenses. That way, if you are unfortunate enough to have an accident, you will not have to cope with a huge financial burden as well. This can be a great relief in this increasingly litigious climate. In order to find the best policy at the best price for you, it is important to spend some time shopping around for motorbike insurance.
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