Learning About The Bonus Features Of Motorbike Insurance Policies

Motorcycles are the epitome of freedom and youthful zest for thrill and excitement

. Notably, this or something similar to it is exactly what every biker would state as the reason for him to feel the need to speed. In fact, motorbikes seem to have this knack of being able to tempt even the most controlled, grounded and seasoned bikers to speed.

However, motorcycles, owing to the fact that they are not as well protected as four wheelers, are more susceptible to damage from natural and man-made disasters. Furthermore, since there is no shut structure like in the case of four wheelers, it is easy for them to suffer minor damage as well.

This is why an insurance policy for motorcycles is so important. The most basic function of these insurance policies is to protect your long term financial stability by providing you with compensation against the cost of repair of any damage. However, these policies can also go one step ahead by including a variety of bonus features. The following are some examples.

1. Breakdown protection:

Many insurance policies for motorbikes come with breakdown cover included within their purview. This cover is, basically, to make life easier for you in the unfortunate situation that your motorcycle breaks down while you are on the road. Without this kind of a feature, you would have to drag your bike to the nearest service station or have it towed which costs even more money. However, with this feature, you can just wait with your motorcycle and have a recovery van with qualified engineers come to your location in record times.

2. Personal accident:

Every biker in the world knows that bikes can be dangerous. In fact, a major accident on a motorcycle is bound to result in a lot of pain and suffering for the rider owing to the injuries he may receive. Hence, it is only logical for a motorbike insurance policy to include personal accident cover that would take care of the medical expenses resulting from the accident.

3. Renewal discounts:

Insurance, irrespective of whether it is for a four wheeler or a two wheeler, can be significantly expensive to sustain over an extended period of time, especially if you are a safe driver who has never made any claims. It is for this reason that a motorcycle insurance policy should include renewal discounts for people who do not need to make a lot of claims. These discounts may also be known as no claims bonuses and are nothing but a reduction in the cost of a policy for people who have not made any claim in the last few years.

4. Accessories cover:

A proper bike fan always has a host of accessories to supplement his bike riding. For example, a person who travels long distances would have expensive helmets and glasses to support his trips while another who likes to show off his bike would include leather covers and other beautification items. These things are not really cheap and hence need protection from the motorbike insurance policy as well.

by: Christopher Reinhold

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