Date Added: December 11, 2019 05:36:35 AM

There’s nothing quite as exhilarating taking on the roads on the back of a motorcycle. With the wind on your face and the ability to maneuvre smaller spaces to get ahead on your journey, motorcycles can become a way of life. It’s important to value your motorcycle as much as your would your home or car. 

Why to insure your motorcycle

The biggest reason to get motorcycle insurance is because you’re far more likely to end up personally injured and your motorcycle written off should you be involved in an accident. With no car body around you, your exposure to the elements and other road users is amplified which means you’ll be in need of financial assistance should you experience trouble.

How to choose your policy

With insurance policies, it’s important to find cover that provides a safety net for the most prominent things at risk. Here are some examples of what to look out for when choosing your motorcycle cover.

Personal Property & Attachments Coverage

This section of the policy can include the repair or replacement of accessories attached to your motorcycle, such as saddlebags or a sidecar, for example. Any additional custom equipment or unique decorative features could also be covered if they were damaged somehow. Also, you may consider insuring your safety gear such as helmets, boots or jackets, as they are just as exposed to possible damage as your motorcycle.

Uninsured Motorist Coverage

If you end up involved in an accident with another road user who doesn’t have insurance, or if you are a victim of a hit-and-run, then the ‘uninsured motorist coverage’ is crucial. 

Third party insurance

If you’re responsible for injuring others, whether they be in a vehicle or a pedestrian crossing the road, you need to be able to compensate them and, without insurance, this can put you hugely out of pocket. Third party coverage will assist you with being able to cover the compensation costs. 

Medical Payment Coverage

When on the road, sometimes you’ll find yourself in need of possible medical assistance. Thankfully, there are some policies that will cover the whole or part of medical expenses incurred in accidents.

‘Extra’ coverage

In some circumstances, if you find yourself a particular distance away from your home and unable to return due to a motorcycle incident, some insurance policies can cover your expenses for alternative transport or possible accommodation. 

Roadside Assistance

Travelling of any kind always comes with the risk of breakdowns, so getting roadside assistance coverage is one of the most sensible of all investments. Whether it’s a lack of petrol, a flat tyre, unforeseen slippery roads that cause you to come off your bike, roadside assistance is something you should look for in your insurance policy.

There are a multitude of things to take into consideration when you own a motorhome. It’s no doubt one of your biggest financial assets, so why take any unnecessary risks when it comes to maintenance and ongoing care? As with any insurance, make sure you take the time to comprehend the limits of your cover before agreeing to anything, but you should need no convincing of the necessity of ensuring you’re insured.