Motor cycles and motor bike insurance explained
Motor cycle insurance , sometimes referred to as motor bike insurance is similar to private vehicle or private cart insurance in some respects, with one or two important differences.
It is virtually always a legal necessity to have some type of insurance cover, normally third party insurance or third party fire and theft insurance.
Obviously it is also possible to get fully comprehensive insurance for your motor bike if you want, similar to car insurance terms and conditions.
Motor bikes tend to be of less financial value than cars, but there is also a narrower range of values of motorbikes or motor cycles.
The rating factors that apply to private vehicle insurance in the main apply to motor bike /cycle insurance, with some obvious adaptations.
Where the person lives, what geographical area the person lives in, where the motor bike is going to be used, over what distance etc.
The type of motorbike, its age and power also very important factors, as is the age of the person who is going to be insured.
As with private vehicle insurance it is young inexperienced drivers who get loaded against the most, for fairly obvious reasons, more fully explained in the section on young drivers and car insurance
In some countries people can drive motor cycles up to a certain horsepower without the need even for a driving test.
There are a few things people can do, young people especially to reduce insurance premium costs.
Firstly to make sure they do take the appropriate driving test, partly for their own safety, but also it ensures that they do learn how to ride a motor bike safely.
Also take any additional training available and get certificates to prove it.
This applies to both theory and practice.
Also worth starting off with a motor bike of a lesser cc for a couple of years and build up a no claims bonus, then upgrade to a more powerful model.
whatiscarinsurancefor.com provides additional resources on all aspects of car insurance and related fields such as motor bike insurance