Driving without bike insurance is not only unsafe but also illegal. Doing so can result in fines and legal problems, so you shouldn’t take the risk of driving without it.
Whether or not it’s legal to drive without motorcycle insurance is neither here nor there, of course. The fact is that it’s your moral responsibility to insure yourself and your motorcycle so that in the case of an accident that causes damage to other vehicles or your own (or even at worst, physical injuries to other people) your financial liability will be limited.
There are many insurance companies that you can choose from, with price comparison services available to find the best deal on your bike insurance. You can take advantage of cheaper deals and be a safe and sensible motorcyclist. As well as having the option of obtaining great deals on your motorbike insurance, you also have the option of choosing number of policies; each will offer something different. For example, third party fire and theft cover and fully comprehensive cover are some of the most popular options available. From here, you also have the option of choosing a policy that fits in line with your requirements and your budget, meaning that insurance policies today are incredibly flexible.
When you get round to looking at the insurance deals that you want, however, you will be faced with even more options. Just like when you’re buying your home insurance or car insurance, you will be faced with a number of optional extras. When you have previously looked for home content insurance, for example, you will have experienced the option of buying these extras so that they can be incorporated into your insurance policy. These extras aren’t free, as the name might suggest, but are instead additional options for cover that you can purchase for inclusion in your policy.
Don’t forget that every extra you decide to include increases the price of your premium, so you need to make sure that the features you incorporate in your insurance policy are only the ones that you actually need and are willing to pay for.
Naturally, the more extras you have on your policy, the safer it will be. Resultantly, there will be a higher chance of a complete and fair payment should you ever experience trouble or some kind of accident on the road. Before going ahead and choosing your policy though, it's worth doing some research into the perks you can have thrown in. Outlined below are some of the most common extras that you will come across.
Whether you’re looking for cheap bike insurance or cheap car insurance, you’re going to want to find out if the insurer is offering you ‘no claims discount (NCD) protection’. Without it, you will find that with even the smallest claim will result in you losing your NCD and facing larger premiums in the future. By opting for NCD protection in your bike insurance quotes or car insurance quotes, you are able to maintain the same rating even when you claim for an accident. As odd as it sounds, you really can continue to claim your no claims discount even if you’ve had an accident where you were at fault.
Another extra that many bikers go for is cover for helmets and protective leathers. Nothing is more important when it comes to safety than wearing the right clothing. Helmets protect your head from serious brain damage in crashes, while leathers are tough enough to stop skin tearing on impact and preventing other problems like gravel rash. For things that offer so much protection, you can’t expect to get them to be cheap, and hence protective clothes for bikers tend to be expensive. This simply means that it’s probably worth your while to get cover for those also to cover the costs.
Breakdown cover is perhaps an obvious choice. While accidents occur quite often with both cars and motorcycles on the road, it’s just as likely that you’re going to break down somewhere inconvenient. Breakdown cover can ensure that you can get roadside help from specialists and even a lift back home should you be stranded without any form of transportation.
Finally, legal expenses are an extra that many people consider long and hard before arranging their insurance policy. A legal expenses extra added on to your policy may help you to claim back some of your excess, while also covering legal proceedings or loss of earnings that can be caused due to having an accident on the road. These are all common extras that you should think carefully about before buying your policy. Do consider however that the more you use, the better protected you will be.