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Motorcycles are Fun! But the number of deaths (per mile travelled) on motorcycles is about 26 times the number in cars. You need good Motorcycle Insurance!
 

Motorcycles are Fun! But the number of deaths (per mile travelled) on motorcycles is about 26 times the number in cars. You need good Motorcycle Insurance!

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In February 2006 the Motorcycle Industry Council reported that bike sales had risen for the 13th consecutive year and that in 2005 there were approximately 1,116,000 new motorcycles sold in the United States. At the same time, the US Department of Transportation, says that 3,162 motorcyclists died in crashes in 2002 (the last year for which full figures are available).

So, while there is no doubt that motorcycling is fun. It is also undoubtedly true that hopping onto two wheels is also statistically a far more dangerous pursuit then jumping in the car and taking off for the open road. Accordingly getting yourself fixed up with comprehensive motorcycle insurance has never been more important.

Be aware that insurance premiums can be costly and physical damage coverage may be difficult to obtain for a high performance motorcycle or if you have a poor driving record. Check with an insurance agent for a premium quote before buying a motorcycle or motor scooter. As you do not want to discover that you cannot ride your new pride and joy because you cannot afford the insurance or it is not available for your circumstances. In any case it is worth getting a quote as it is also perfectly possible that you will be pleasantly surprised at how affordable the motorcycle insurance is!

You need to check exactly what your liability coverage is, and also what medical payments would be payable in the event of a car accident. What cover you have for any physical damage to the bike, and also what your position is if you are involved in an accident with someone who is not insured. If you have a clean licence and are older, then the cost of the motorcycle insurance is likely to be lower. Though the type of motorcycle you are riding will have the biggest affect on the premiums. As with ANY insurance you need to make sure that your policy has all the coverages you requested, and also exactly what is and is not covered.

A motorcycle life with the wind in your hair is fabulous. But it is worth getting your insurance sorted out first!


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