If you aren’t aware, there are some factors that make getting motorbike insurance quotes 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 quotes for 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 or you get a quote that just seems ridiculous. 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!
The use of motorbikes around the world has superseded any other mode of transport. it is for this reason that insurance companies covering motorbike incidences, have sprouted to grab the fresh opportunities. These companies have created services fully customized for the motorbike industry both at affordable and others exorbitant prices. The motorbike users, therefore, have the choice to decide on the type of insurance cover best suit for them and the insurance company to settle on. A website has even been dedicated to compare the types of insurance available for motorbike riders and corresponding quotations from various insurers’ brokers. One such website is Bike Insurer which may need you to buy a bike from a dealer rather than privately.
Several insurance policies are available, even online, for motorbike riders including Pay As You Go Insurance and Modified Bike insurance.
a) Pay As You Go Compare Motorbike Insurance
This is an motorbike insurance policy offered online by Bike Insurer Australia. The motorbike policy is flexible and allows you to get insured only when you need it. It is also offered by the biggest motorcycle insurance brands. Pay As You Go insurance policy provides cover on a monthly basis for a monthly thus giving you the opportunity to purchase the cover at your on time and stop purchase whenever you feel to unsubscribe. Obtaining an online insurance quote is a minute job and all general policies offered include breakdown assistance, legal expense cover and European riding standard. A motorbike owner who purchases Pay As Go Insurance cover enjoys a variety of benefits; Firstly, is Bonus Accelerator which earns a motorbike rider a NCB year in just three claim-free months. Secondly, the cover contains Multi-bike and Multi-rider policies which insures up to four riders and four bikes on one policy. Pay As you Go policy cover also has Free No Claims Discount Protection which means that, if you have five or more years NCB, you can protect your motorbike for free.
b) Modified Bike Compare Motorbike Insurance
Modified Bike insurance cover is meant for those riders who ride in modified motorbikes. The cover ensures that in the event of a claim you actually get fully paid. However, to acquire a less costly Modified Bike Insurance cover, a bike rider must look out for a broker who has a good understanding of the parts that are modified in your bike for instance K & N air filter on your ZX6, your crash protectors on your GSXR, your Akrapovic exhaust on your Hyabusa and so forth. Always declare modifications in your bike to your insurer