Look For Bike Insurance Companies Who Won’t Invalidate Your Warranty
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As like young car drivers motorbike riders, including scooters, can be hit hard during their first years on the road. However, there are a number of things you can do to help lower your insurance costs.
16 year olds may find competitive insurance quotes if they spend time searching for insurers who offer discounts for first time riders, these may be few and far between as you will be classed as a high risk due to your inexperience and therefore will pay more for you insurance. The good news is that as you are restricted to a scooter or moped of less than 50cc engine size the premiums may not be too high anyway.
The type of insurance you have will also affect the cost. If you opt for third party only (TPO) this will provide cover for third party damage and costs for injury to third parties, this is the minimum level of insurance needed to legally ride your bike on public roads. It does not provide any protection to your bike.
Move up a level to third party, fire and theft (TPFT) and the policy will include the same as TPO with additional cover caused by fire, lightening or explosion, restrictions are applied so you will need to check through the terms and conditions. This level of insurance also includes damage sustained to your bike either during an attempted theft or whilst it is stolen as well as cover should your bike be stolen and not recovered.
The highest level of cover is comprehensive. This includes all of the TPFT cover in addition it also covers for accidental and malicious damage to the insured vehicle, namely your bike.
If your bike is manufactured with security features such as alarms and immobilisers these will be included with the quote, however if you add Thatcham approved additional security you may be offered discounts.
Keeping your bike safe and you on the road are the main focus for insurance companies. As such the more you can do to enhance the security of your bike, whatever its size or make, the more likely you will be offered lower premiums. Beware, DIY jobs are not usually counted!
Those who own brand new machines which are still under warranty need to be extra cautious as to which insurers they choose. You will need to make sure that should your bike be damaged it is repaired by a manufacturer approved repairer otherwise your warranty will be invalidated.
Many of the motorbike manufacturers have their own or approved insurers, such as Kawasaki motorbike insurance, these are the ones you should opt for whilst your bike is under warranty. They are not necessarily the cheapest but neither are they the most expensive if you do your homework and shop around for the best deals.
Remember if you come across an insurance quote which sounds too good to be true then it probably is! Don’t be duped into parting with your cash to find out when you need to make a claim that you aren’t covered sufficiently or have invalidated any warranty. Choose manufacture insurance approved insurers and you will have the peace of mind that your machine is covered correctly.
If you’re looking for a quote on Kawasaki motorbike insurance visit Swinton.
