Insurance in Malakandsky

Monday, October 16, 2006

Motorcycle Insurance

Trying to find motorcycle insurance with the right level of cover and at a price you can afford can become frustrating and time consuming.

There are so many motorcycle insurance companies out there with quite a significant range of prices for what can prove to be essentially a similar package.

The first thing you need to decide is what type of motorcycle insurance policy you are interested in and obviously your final decision will most probably be based on cost.

The most basic motorcycle insurance you can get is ‘Bodily Injury & Property Damage Liability’. This level of motorcycle insurance is a legal requirement and covers your legal liability for third party damage and bodily injury in the event of an accident. It will not cover the cost of repair of your own motorcycle.

If you want motorcycle insurance that will cover the cost of repair to your motorcycle if in an accident and pay you for the cost of replacing your motorcycle in the event of fire or theft then you need to take out a Comprehensive Motorcycle Insurance Policy.

You can take out ‘Uninsured Motorcycle Insurance’ which will cover you for the cost of medical care and loss of earnings in the event of being hit by an uninsured driver. Uninsured insurance will also cover the repair costs for your motorcycle up to your insured limit in the event of being hit by someone who is not insured.

It’s advisable to make sure that you include medical payments in your motorcycle insurance policy which will usually cover you in the event of a motorcycle accident regardless of who is at fault. Medical payments insurance only tend to kick in at the point when you have no other medical cover.

Comprehensive motorcycle insurance will normally cover some of the cost of custom parts but not necessarily all the cost. It is advisable to check this before taking out motorcycle insurance and if your level of customisation is not covered take out further Custom Parts Motorcycle Insurance.

The cost of your motorcycle insurance will vary from company to company and depend on such things as your age, the length of time you have been riding a motorcycle and whether or not you have had any previous accidents or claims. You will generally be able to influence the cost of your motorcycle insurance to some degree according to the level of deductibles you choose. The higher the deductibles the lower the cost of your motorcycle insurance.

It is definitely a good idea to shop around with quite significant savings being obtained if you select the right insurance company. Save yourself some time by doing a lot of the work on the internet, it will be quicker and easier to compare polices and most motorcycle insurance companies tend to offer online discounts.

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