Motorbike Insurance: are you Securely Covered?

Motorbikes are becoming a more and more popular method of commuting in cities throughout the UK as roads become grid-locked with cars, trucks, buses and roadworks! Yet motorbikes still manage to weave their way through traffic and reach their destination on time - highlighting another benefit that biking has in comparison to driving a car. Not only can a motorbike traverse spaces that would be impossible in a car, motorbikes are also cheaper to maintain, have better fuel economy and it is much easier to find parking spaces in busy areas. In 2006 there were over 1.1million motorbikes registered in the UK, a figure which has gradually grown as popularity for biking rises.

In the UK, it is a legal requirement to be insured when driving on public roads. So, whether you’re a commuter who uses a motorbike to squeeze past gridlocked cars to get to your work on time, or a recreational rider exploring the UK’s country roads at the weekends, you’ll need adequate insurance cover to keep yourself and others protected while on the road.

However, it's not only when driving a motorbike that you need motorbike insurance. Due to the design and size of motorbikes, they can be stolen and removed by thieves far more easily than a car, and as a result most general insurance companies deem insuring motorbikes as a high risk. However some companies specialise in motorbike insurance and appreciate that this is not necessarily the case. In fact, providing the owner implements some basic security measures a motorbike can be as low risk to own as a car.

For example, motorbikes should be parked in well lit areas and the frame should be secured to a fixed object with a sturdy security chain. To further deter would-be thieves, fit an approved immobiliser to prevent the engine being started without the key, and install a Thatcham approved alarm. You could also have a tracking device fitted to help the Police track your motorbike in the event it should it be taken.

Owners should also buy an ultraviolet pen to mark their motorbike with personal details and keep a copy of the serial number of their motorbike, so that if their motorbike is stolen it can be traced back to the theives by the authorities. By taking precautions such as these, you can reduce your motorbike insurance premium.

The most common type of insurance chosen by owners is a comprehensive policy. This level of cover ensures that in the event of an accident the policy holder will be fully insured for the market value of their motorbike, as well as the repair cost of any damage caused to a third party by the policy holder. Some policies even cover policy holders for personal claims against them, which in today's litigious climate is certainly a comforting safeguard. This ensures that if you are unfortunate enough to have an accident, you won't have to cope with a huge financial burden too.