Motorbike Insurance

Not everyone can appreciate the level of thrill that comes with owning a motorbike. Unfortunately, some insurance providers are tops on the list of not understanding this thrill. I guess that’s why many who do live to ride a motorbike often have a difficult time finding motorbike insurance for their favorite two-wheeled friend. Thankfully for those of you who are looking for motorbike insurance in Australia, difficult certainly doesn’t mean impossible.

If you aren’t aware, there are some factors that make getting motorbike insurance a bit more challenging. I’ve taken the time to list a few of the items that can make bike insurance a little bit harder to acquire, take a look below:

Age – if you happen to be under the age of 26 and are looking to get your bicycle insured, be prepared to do some extra shopping around. It may not be fair, but many insurers just see younger people as daredevils who are prone to take more chances, which they see as a risky bet when it comes to providing insurance.
Gender – Males often have to pay a heftier price when and if they do find adequate motorbike insurance. You might see it as a form of discrimination, but the insurers likely have tons of data to support their reasons for charging higher premiums to males (and if you are male and under 26, well that can spell even more disaster).
Marital Status – The supposition is that a person who has a motorcycle and is single will be more reckless than one who has a family that depends on him for support. For this reason a married person will often find that their motorbike insurance will be less than their single counterparts.
Where You Live – Similar to a person who gets traditional automobile insurance, getting bike insurance can be difficult to find if you reside in a questionable neighborhood. Let’s say you live in an area of Sydney where the crime rate is higher than say someone living in a quiet suburb of Brisbane, your bike insurance will likely cost more.
First Time Buyers – Is this your first motorbike? If the answer is yes, then motorcycle insurance for you may be harder to find (or at least more expensive) than it will be for a person who has owned 3 motorbikes already. The reason is that the person who has already owned a motorbike it will be assumed is more familiar with them and less likely to have a collision than a first-time owner.

But don’t be dismayed if you find yourself turned down for your first few tries at finding motorbike insurance. There are plenty of places in Australia that offer insurance to motorcycle riders. With the right amount of persistence you will be sure to find exactly what you are looking for in the end. And once you do, get on your bike, be safe, and roll on those two-wheels and become one with the wind!