A motorbike insurance policy is a necessity if you own a motorbike.
You might think that it’s not as important as car insurance, but, since motorbikes are a cheaper form of transport when considering fuel consumption, there are more people buying motorcycles.
In the event of an accident, motorbike insurance will help replace your bike. When travelling, motorcyclists are more vulnerable on the road, and a motorcycle has accessories that are easier to steal. Motorbike insurance is also a uniquely created product that has to cover the unique needs of a motorcyclist.
Motorbike insurance for South Africans because You were Born to be Wild
Several insurance companies that offer cheap car insurance, also offer motorbike insurance.
Firms like AA Insurance and Old Mutual can promise a comprehensive motorcycle insurance cover against theft, accidents, and fire at a very reasonable price.
The premium you pay will also insure you against third party claims where you have to pay for the damage. The Third Party Liability insurance also covers the insurer in the event of an accident where the insured is legally liable.
The cover will compensate the other person for costs and expenses involved, as well as any legal fees if a person should decide to claim from you or if you have to defend a claim against you.
Some firms, like Auto & General, include cover for standard accessories, towing, and storage of a motorcycle as well as hail damage.
There are Plenty of independent Insurance Companies
Companies like Iron Horse and Bike Sure Insurance, which focus on motorbike insurance. These firms are able to tailor the products and therefore, negotiate better rates. With independent, niche motorcycle insurance firms, motorbikes are not covered in general but are divided into categories, since the type of bike you want to insure, has an effect on the premium.
If you are looking for motorcycle insurance, check that the following benefits are included in the policy in order to make sure that you are fully covered when needed:
- Medical assist
- Roadside assist
- Trauma assist
- Home assist
- Legal assist
Get a Motorbike insurance Quote online
As soon as you start looking for a motorbike insurance quote, keep the following information in mind that will have a bearing on the premiums:
- Does the motorcycle have an alarm or tracking device and will it be stored in a secure area? Alarms and tracking devices will lower the premiums but a GPS or a sound system will increase the rate.
- Do you have a learner’s licence or full licence? With a full licence, you have more credibility and this decreases your premiums.
- The age of the rider and how long he has ridden a motorbike will either increase or lower the premiums, depending on the answer. Younger riders are seen as risks and will pay higher premiums.
- The size of the bike and its cost will have an effect on the amount you pay. Some brands and models are more expensive and if you have a customised bike fitted with performance parts, you will pay more.
Some biking Quotes to Make your day
Only a biker knows why a dog sticks his head out of a car window.
If you ride like there’s no tomorrow, there won’t be.
Four wheels move the body. Two wheels move the soul.
Bikes don’t leak oil, they mark their territory.
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