Bike Insurance

This web page has important details where to find the cheap bike insurance in South Africa

More and more people realise that having bike insurance is an important safeguard if a rider is unlucky to be involved in a road traffic accident. Common sense tells us that if there has been a road accident between a car and motorcycle it will be the bike and rider who will suffer more damage and injury. It is therefore important for riders to purchase insurance to cover the costs to repair the bike as well as themselves. If you follow the advice on this page you will be able to compare motorbike insurance quotes and insure your bike cheaply and receive peace of mind as well as a decent service with several benefits.

Bike Insurance Guides

This motor bike insurance guide has been designed to advise riders of what service to expect from their broker as well as information on getting the best deal that will cover any scenario that can possibly occur. The guide can also be used if you are thinking of purchasing insurance for a car or any other vehicle.

There are several factors that will affect the overall cost of a motorbike insurance quote and they are as follows;

Age of the bike

The age of any motorcycle will affect the cost of a policy. If a bike is considerably old it might be deemed as more dangerous compared to a new machine therefore increasing the price of a policy. On the other hand, as more riders have become involved in the restoration of a classic bike, the insurance quote will possibly be smaller than that of a modern cycle. In recent years more classic motorcycle hobbyist groups have formed and riders love to show off their latest antique bike that has been transformed to its former glory. As with classic car insurance there are some conditions set within a policy such as a capped amount of kilometres the bike must not surpass.

Age of the Rider

As with car insurance, the age of the person seeking cover for a motorcycle will drastically affect the overall price. Young riders must expect to receive a quote that is several times more expensive than it would be for an older person. Insurance companies in South Africa are fully aware that road traffic accidents mainly involve young people and will set the price of a policy accordingly. However if you are prepared to spend time researching as many brokers and underwriters as possible you may well be provided with a quote from a company that is a lot cheaper for the same policy with another firm. You should also use websites that will compare motorbike insurance as this process will save lots of time and possibly save money. But, when using comparative sites, you should check what benefits and services a policy will provide. It might seem you are being offered a great cheap motorbike insurance deal but when taking a closer look the policy has no extras or benefits at all.

Size and Type of Motorcycle. Cover for Quad Bike or Scooter.

The size and type of motorbike can have a major influence in the final cost of an insurance quote. Obviously the bigger the bike engine the faster it will travel and so affect the price. The same goes for quads. Although they generally have much smaller engines than road bikes, quad insurance can still be deemed rather expensive due to engine size and the fact that they are mainly used off-road. Quad bikes have become more commonly used in rural areas such as farms and ranches as they are excellent in rounding livestock from one area to another. But like motorbikes they can be dangerous and the number of accidents that quads were involved has grown considerably during the last number of years. Riders of scooters, on the other hand, can receive relatively cheap insurance policies as the engine size is a lot smaller than of motorbikes and quads. Scooters also do not travel at high speeds and rarely do more than 60 or 80 kilometres per hour.

Extras within the Insurance Quote.

When purchasing motorcycle insurance for a broker in the main street of your town or online it is very important to see what extras and services is within the policy. There are several that are free as well as others that will cost more money. The most common benefits within an insurance policy are roadside assistance, breakdown cover and cover for dents and scratches. So before you actually invest in a policy you should try and speak to someone and you may well be able to get benefits such as these at no extra cost. There are several other extras that are advertised within the insurance market and when added to a client's personal policy will provide a safeguard for their particular needs.