Safeguard Your Precious Bike And Keep Riding

It is really not surprising that motorbikes are becoming increasingly popular all across the UK

. Let's face it, every commuter knows all about gridlocks, lines of cars and trucks and having to run for buses and the tube.

Motorbikes simply weave in and out of sluggish traffic and it costs far less to run a bike than it does a car. What this means is that insurance companies are coming up with more innovation when it comes to the insurance policies offered for bike riders, as this is a fast growing part of the industry.

How well are you covered?

Now, the laws governing vehicles in the UK make it quite plain that all vehicles that are driven on public roads must have insurance, so whether you are riding a motorbike, a scooter or a moped, you are going to need some form of bike insurance. This law is not only for your own protection, but also for the other road users. So you have to start shopping around for insurance even before your new bike is delivered. The question comes up though about what you consider to be adequate insurance cover as it is a known fact that insurance cover for bikes can be pricey, the reason being that insurers look upon bikes as high risk when compared to cars. One option would of course be to take out the minimum insurance stipulated by the law in the UK, which is third party insurance. But you do not necessarily have to settle for that, because if you work smart, you can lower your insurance premium quite significantly.

Technology is your friend:

Technology can really come to your rescue when you want to lower bike insurance premiums. Most people realise that they must always park their bikes in areas that are well lit and have basic security such as a sturdy motorbike chain. Today though, you can do so much more, a Thatcham insurance approved alarm goes a long way to lowering insurance premiums and this is also the case when you fit an immobiliser to your bike. With an immobiliser it is not possible to start the bike without having the key. You can go one step further with technology and have your bike fitted with a tracking device. A good tip is to mark your motorbike by using an ultraviolet pen to write your details somewhere on your bike and of course make sure you keep a copy of the bike serial number handy. These security measures can drop your insurance premiums on your bike quite a lot, so they are worth getting.

Although the law dictates third party insurance is the minimum legal bike insurance, the majority of bikers prefer to take out comprehensive insurance. Motorbikes are not cheap and the larger models are too pricey to lose with insufficient insurance cover. Take your time to investigate the various options for insurance for your bike and then choose wisely. Take time to also look into insurance companies that will cover you for personal claims as well. This can be a huge benefit in the event of an accident and another person slaps you with a personal injury claim.

by: Tom Jones

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