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There are many questions asked about motorbike insurance, ranging from simple and obvious for some, to complex and in-depth queries. The following questions are a selection that are frequently asked by newcomers to purchasing motorbike insurance and have been answered to ensure basic information about this insurance is fully explained and understood.

What Levels Of Cover Are Available?

As with most other vehicle insurances, there are three levels of cover available to choose from, Third Party, Third Party, Fire and Theft and Fully Comprehensive.

Each option provides different cover levels, with the latter offering the most cover for the policy holder.

Do I Need Cover?

When riding a motorbike on a public road, it is a legal requirement to hold some form of motorbike insurance. Whilst the necessity of insurance is enforced, the choice of cover is optional, although all riders must have Third Party in place as a bare minimum.

How Do I Purchase Insurance?

It may seem like a complicated process initially, but purchasing motorbike insurance can be a straightforward procedure if carried out properly.

Firstly, ensure that you have all of your documents to hand, which should include your driving license and motorbike details and then if possible, head to one of the many comparison websites on the internet. From here, simply enter all of the requested details and the website will return a list of insurance companies with their premiums, based on the information provided.

If you do not have access to the internet, do not worry. Simply open up the telephone directory and work through a selection of companies that come under motorbike insurance. Whilst this is a much more arduous and time consuming process, it can be argued that cheaper insurance can be received this way, as greater details can be passed on, therefore providing a more tailored quote.

What Happens If I Have An Accident?

Firstly, it is important to not worry. Assuming that you are away from the scene of the accident and have returned home, the first thing to do is to call your insurance company and explain that you have been involved in accident.

Further to asking questions about the incident, the one question they will ask that is extremely important is whether you are liable for the accident or not. By this, they are asking who was responsible. Of course, they will not just take your view and will have to consult with the other party, but it must be noted that if you are not held liable, your No Claims Bonus will not be affected, therefore you must make sure that you say you are not liable if it was without doubt the other partys fault.

Remember, your insurance company are there to help and protect you, so although it may seem like they are asking intrusive questions, they are doing so for your own benefit overall.

Why Is It So Expensive?

Motorbike insurance is the same as all other insurances and is based on risk. Therefore, if you are a young rider riding a brand new and powerful motorbike, you will be considered a higher risk than someone with many years of riding experience who has a more conservative motorbike.

To receive more affordable insurance premiums, simply think of how much risk is involved with all aspects of your riding. For example, by obeying the speed limits on a road and always securing your motorbike, insurance companies will take this into consideration and class you as a safe and competent motorbike owner.

Kwik Fit Bike Insurance have a team dedicated solely to finding the best possible deals in motorcycle cover - and have an 18-strong panel of leading insurers specialising in quality Motorbike Insurance and Motorcycle Insurance Services

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