Hate Being A Risk, Take these Precautions
Posted by Graham McKenzie on December 20, 2009
Motorcycle insurance is considered “high risk” for factors you may not think about everyday. Remove the stereotype about a typical biker with long hair and a cutthroat and angry attitude. No matter what age, size, or type of personality, motor bikes are dangerous and that’s the primary reason they are labeled “high risk.”
Motorcycling is a very dangerous form of transportation, and it’s made even more dangerous when reckless drivers like the person on the bike in the above scenario. Motor bikes travel at very high speeds with little protection for the driver. The driver puts himself in extreme danger when he takes for granted the power and speed of his or her bike.
But for most motorcycle drivers, a bike is a respected and safe way to commute for work or enjoy a ride on a sunny weekend afternoon. People who drive their motor bike without regard to anybody else are the bad apple in the bunch.
Insurance companies break down each motorcycle driver on a case-by-case basis. It would be easy to point the finger at all drivers and label them reckless and risk takers. However, insurance companies are inclined to sit down and cut costs on the premium in any way possible.
Some riders look to pass the test and receive their licenses and consequently are on the road wrecking havoc. But this is a guaranteed way to have a high premium. Touting experience when it comes to motorcycle riding is extremely important in the eyes of the insurance industry.
Insurance brokers are willing to reward riders who take part in safety courses and additional motorcycle driving courses by offering a cheaper premium. Experience is vital, and insurance companies will go a long way to reward it.
Insurance companies also like to reward drivers with clean driving records. Have you been in your fair share of accidents and received your fair share of tickets? Chances are insurance companies are not going to be pleased and award you with a cheap premium. Your history pays off and it will if it’s clean.
Insurance providers look down on motorcycles not only because of the risk and danger when on the road, but also when they are parked in one place. Why? Motor bikes are easy to steal and insurance providers are weary of covering something easy to steal.
Take the necessary steps if you really want to own a motor bike. Gain the experience; work on your driving record and plant tracking devices on the bike in case of theft. Do all these important steps and you will see a much cheaper premium.
Graham McKenzie is the content Syndication Manager at insurance123.co.zaSouth Africa’s leading Motorcycle Insurance information portal
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