Motorcycles are every bad boys dream and a man's ambition! For years, these feisty big and meaty vehicles have played an important part in upgrading ones image of being a thrill-seeking junkie. Usually one would associated a motorcyclist with a leather jacket, cigarette in the mouth and a certain American rebel without a cause, however, these days sitting on a motorbike is more common amongst the younger generation - with a few pockets of Mods and rockers to continue the bad boy tradition.
No Matter how much you want to buy your motorbike the only thing you cannot avoid is the cost of buying one, maintaining and purchasing motorcycle insurance to go with it. Insurance is a vital part of purchasing a motorbike, without that it can land you in huge amounts of trouble and as a new motorcyclist that would be the last thing you would want. Whenever one purchases a new bike, the first thing they should be thinking about is what insurance policy they should ideally be going for.
Motorcycle insurance is very simple to understand, however, for those who have very little experience in the process of applying for an insurance policy they will need to research upon the terminologies used. This can be very confusing at first, but once you have come to grasp how it works you will be scratching your head thinking what the fuss was about. It is a good idea to start looking for insurance companies, brokers and get a quote on your new bike.
The unfortunate thing about being a new motorcyclist is that you have to pay more than an experienced motorist. Try not to panic too much when reading this, but that is how it works and be rest assured that as the years pass on this will become cheaper. The more experienced you become, the more reliable you are on the road. Most of the insurance are from beginner motorists and this is a statistical fact so there is no way around it.
Motorcycle insurance come in three main categories, which are, third party cover, third party and theft cover and comprehensive cover. At this point, this should be self-explanatory, but for those who have never heard of this will be at a great advantage if they looked this up and compared insurance prices. It is always best to approach someone who has experience in paying for insurance policy covers. This way you can avoid the problem of paying too much for something has a standard price tag on it.
Other insurance policies can be to insure the rider only or the bike only. Some people can only afford certain, so you get what you pay for. Be careful if you do opt for the cheaper option as this will mean you will not be covered for anything else. My advice is to go for a fully comprehensive policy, it is by far the most expensive one of all the three policies, however, and you are guaranteed to be at ease should anything go wrong.
Failing to get any insurance will mean the following; a hefty court fine, loss of license, medical fees to pay, paying for damages to the other party (this can all set you back thousands of pounds, which I am guessing you do not want to part with), a ban on the road and maybe even a prison sentence. It is a fact and it is not wise to think it will never happen to you. These things are unpredictable; no matter how careful you are, it is always best to be prepared for the worst.
By.Anna Stenning
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