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Why Get Bike Insurance? In 2004, the Department for Transport in the UK announced that for every 100 million kilometres travelled; there would be an estimated 121 crashes that end in a fatality or serious injury for those on motorcycles compared to just 2.6 for those in a car. Statistics such as these should be enough to scare all riders into making sure your motorbike insurance is up to date and with such cheap premiums up for grabs; there really is no excuse. Whether you are crazy about Harley Davidson bikes, Ducati's or Honda's you should be all too aware of the indispensable need for bike insurance. Research proves that you are almost three times more likely to endure an accident while riding motorcycles than if you were driving a car. Premiums on bike insurance can be kept down simply by driving safely; the longer you go without making a claim, the cheaper your premiums will be. Tips on how to keep the price low Keeping premiums low is a prime target for many but breaking the law and avoiding bike insurance altogether is not the answer. Here are a few things you can do to keep the price of your insurance low: • Avoid points - No drink driving and no speeding • Avoid traffic offences - Do not take risks such as undercutting, illegal manoeuvres or riding without a helmet • Get insurance! - Riding without insurance will ensure that when you come to get insurance you will find the prices far steeper The penalties for riding without insurance are severe and the risks are potentially catastrophic. With so many deals available and cheap bike insurance simple to obtain; there really is no excuse to ride without it. Searching for a quote via the internet is another great way to keep the price down as the most affordable deals are always available online. Where to find cheap bike insurance Driving a mean machine such as a Harley or Ducati is an experience that compares to no other, but bike insurance is a vital part of that experience that allows you to ride safe in the knowledge that you are covered by a scheme in the unforeseen event of an accident. Cheap bike insurance is readily available online and for those looking to save while they ride; hunting down cheap bike insurance is a necessity. Utilise search engines such as Google for your searches and use search terms that include the name and make of your bike such as: 'Ducati bike insurance' or 'cheap ' Honda bike insurance '. Keeping premiums low is essential for many riders and by riding safely, checking out internet offers and avoiding points on your licence; it is possible to get insurance for great prices. Insurance packages are available for all types of motorcycles including Harley's and tourers and they cover all ages and needs. Honda makes a wide range of super fast and super reliable bikes as do Ducati and good prices on insurance for these beautiful beasts as well as many other popular names is easy to find online. Why do I need insurance? Aside from the fact that it is illegal to ride without it, insurance is simply a must for riders as the danger factor is ever-present. The most common cause of motorbike accidents is the sheer power and nature of a bike as opposed to those caused by driving a car when accidents are often blamed on driver error. The danger faction of riding a bike is what makes it so thrilling and with big bikes such as a Harley; bike insurance is a necessity in order to ensure you are covered in the event of an accident. The cost of bike insurance is largely because of statistical research. Knowing the numerous factors that have an influence on how much you pay for your insurance policy can help you save a substantial amount of money when renewing or taking out a new policy. Numerous factors will play a role in figuring out your insurance expenses. The elements that influence how much you pay for your premium may include: style and kind of bike, age and sex of the rider, what type of bike security there is and the amount of mileage on the bike- to name just a few. Bike insurance providers realise the potential for theft or damage to your bike. If you can prove that you protect your bike from theft or damage then you can lower your insurance costs. Therefore, consider where you store your bike - it's best to keep your motorcycle in a garage that is locked at night. Also, ensure your bike is secured with an approved security device. Speeding violations can lead to higher insurance costs. Savings can be achieved by maintaining a clean driving history and not having any points subtracted from your license. Through driving safely and cautiously you can not only keep your bike running and looking great, but you will also have the advantage of a no-claims bonus when renewing your motor bike insurance. If you are an older or experienced bike rider then there is the possibility to achieve discounts on your insurance. History shows that older bike owners usually file less claims, whilst younger bike owners are a greater risk for accidents. However, young riders don't need to wait years to get lower premiums. Riders that have passed Compulsory Basic Training can expect lower insurance premiums if they get a full license. Further discounts can be realized with certain bike insurance providers if the owner passes the Institute of Advanced Motoring's Advanced Motorcycling Test. You need to be aware that faster bikes and older bikes are a higher risk to insurance providers. The age, style, make and kind of the bike you have will all have an impact on the value of your policy and should be taken into consideration prior to purchase. The older the bike and the greater distance it has driven will mean wear and tear, making it a larger chance of breaking down.

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