Riding a motorcycle can be a great deal of fun it can permit the rider the freedom to move when cars are at a standstill and the ability to take to the country roads and feel the fresh air against you. The concept of freedom to ride is in the hearts of many and thousands of bikers treasure their motorcycle as their means to escape the busy every modern city life.

Motor Cycles have become more sophisticated over the past few decades becoming faster and more fuel efficient but one thing has led to rising premiums for motor cycle insurance and that is the increase in the incidence of accidents involving a motor cycle. The likelihood of personal injury is higher on a motor cycle than a a four wheeled vehicle purely because during a motor cycle accident riders are often detached from the motorcycle and thrown in opposite direction and can be injured by other vehicles and or even by your own motor cycle landing on top of you. Unlike a car with seat belts and airbags and roll cages and SIP (Side Impact Protection) your only protection on a motorcycle is your crash helmet and your leathers and a great deal of luck.

When it comes to motor cycle insurance it is of course a legal obligation to ensure that you are properly insured, but not just to be legal but to protect yourself an others in the event of a motor cycle accident. Motorcycle riding may be becoming more popular and fashionable but the worrying trend is the increase in accidents rates and fatalities and severe injuries, especially in young riders who are less experienced handling a powerful motor bike and with less road sense, riding faster on more responsive motorbikes.

Motor bike riders look for motor bike insurance quotes like every other driver of a vehicle and usually compare many before making a decision, as premiums are increasing year on year it is important to think carefully about the level of cover you require and shop around to obtain the best deal.

Before you start to look for your motorcycle quotation you should carefully think about what you want to be covered for and once you have obtained some competitive motorcycle quotations you should look at the policy small print before you commit yourself.

Accidents can happen any time of day so don’t forget to find out if your chosen motor bike insurer operates a 24 hours call center service and you might also need a legal protection cover in case you have to fight for claims for person’s injury or to damage to their property caused directly from an accident.

There are some important factors that you should be aware of that the motorcycle insurance companies use to evaluate your risk of your motorcycle, which will affect the price. Some examples of these are:

• Your age
• Where you live
• Your driving record
• Your occupation
• What your motorcycle is used for
• Is your motorcycle garaged overnight or not
• Any security devices fitted to your motorcycle
• The cost of repair and replacement
• Make & Model
• Performance
• Engine capacity
• The possibility that it will be stolen (some bikes are "hot" and are very popular bikes to be stolen so you don’t really want to be riding a motor bike that top of the thieves list).

It is useful for you to know about these factors not that you can much about most of them because these factors are essential information for the insurer to calucluate your motor bike quotation. However, there are factors that you can affect your motor bike quotation to reduce the cost of your motorcycle insurance such as:

• No-Claims Bonus – this is the best way to reduce your insurance premium. If you have never made a claim for a year or two you will earn "No Claims Bonus", the insurance companies will also increase your no-claim discount when you renew your insurance policy. You may choose to have a protected no-claim bonus by paying a little more premium; this will allow you to have a specific number of claims with no affect to your no-claim bonus. Remember to protect your No Claims Discount it could save your hundreds of pounds
.
• Excess – This is the amount that you are obliged to pay in the event of an accident firstly, there are mandatory excess which there is no negotiation on and voluntary excess which you can agree to pay a higher amount in return for a reduced premium. You can choose the amount of excess that you are prepared to pay. If you choose to pay more excess the premium would be reduced, but beware that it will cost you if you claim. So if you think carefully before committing yourself.
• Security – Try to secure your motorcycle as much as possible such as; in an secure locked garaged, use an insurance approved lock, safety alarms to lessen the chance of loss. Remember that Motor Cycles are relatively easy to steal if you fail to keep it secure so lock it or lose it. And never leave the ignition keys in the bike not even for a minute.
• Limited Mileage – Some insurance companies will give you the extra discounts if you ride under 5,000 miles a year. So calculate your approximate mileage
.

Shop around – Each broker gives the different quote for different riders and some of them give a special discount for insurance motorcycle online. Keep checking their website.

If you only want the cheapest motorcycle insurance, be sure that you are covered enough as it may be cheap but may have many restrictions. Be aware of the excess stated on the policy and with the legal expenses cover, which should be included in the motor cycle quotation. You don’t want hidden and unexpected surprises when you claim in the form of a very high excess, or cost of repairs or liability that you have to pay to the person you have injured or damaged property which are not covered for.

Type of Cover
Generally, there are three types of cover for motorcycle insurance. The simple minimum is the "third party only" insurance. You can claim for the amount of damage to other persons caused your motorcycle.

The next is the "third party, fire and theft" insurance, this includes the damage caused directly by fire, explosion, theft or attempted theft of your motorbike as well as cover to third parties.

Then there is "comprehensive" insurance, which covers third party, fire and theft, and damage to your motorcycle whether the accident causes is caused by your mistake or not.

The majority of motorcycle insurance in the market is "third party, fire and theft". Comprehensive cover is rather expensive, especially for the young rider.

Actually, if you go to the major motorcycle insurance companies they are able to cover all type of motorcycles, mopeds, scooters and can offer you some other services related such as motorcycle lessons, loans to buy the bikes or a breakdown service.

Above all enjoy your motorbike riding and ensure you have good insurance and take additional riding lessons to protect yourself and buy the best crash helmet you can afford and good quality riding leathers as those things alone could save your life.

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