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Why Buying Insurance Saves You Money

Jul 12, 2008
Nothing could make me laugh more than to hear a young person, newly certified in riding a motorbike saying that they do not need to buy motorbike insurance. A ludicrous notion for one to contemplate purchasing a bike without any insurance cover, however, the sad fact remains that there are people out there who are riding the streets now without having bought insurance. Seems unusual and raises many questions, but many feel they are saving money without buying insurance and feel they are clever enough to avoid any accidents.

Motorbikes are insured for the same reasons as a car would be insured, that is to safeguard the passenger and driver from unforeseeable events covering any extra expenses on damages and medical attention. Without motorbike insurance, you are an accident waiting to happen on the road, which could potentially cause a fatality and cost thousands in court fees. Furthermore, it is a legal requirement to buy insurance - failing to get this will lead to a very heavy fine.

The more people explain the risks of not getting motorbike insurance, the more likely it is that people will have this information drummed into them. Think of it from this point of view. Imagine you have bought the bike of your dreams; you have spent time of buying parts for it and have invested much of your own money on it. Then one day you find yourself unexpectedly involved in an accident, which results in the bike destroyed. Imagine how you would feel never being able to replace it with a new bike, because you cannot afford it?

This is where getting insurance will help you. There are different motorbike categories, which involve having your bike insured for fire and theft. This does not cover for third party injuries and damages to their vehicle. Other types involve third party cover and theft and fire. This will cover the costs of the third party vehicle but not your own. The final insurance policy is fully comprehensive that includes all of the above and cover for your own vehicle. The latter is more expensive, but worth the investment and will make sure that you are fully covered in every aspect should an accident occur.

Getting insurance will prevent you from paying thousands of pounds worth of damage charges and cover you from any legal costs. In addition, motorcycles have a higher risk in theft, accidents, damages and fires. They run faster than normal cars and cyclists are more at risk of causing an accident. Therefore, it is important to make sure that you buy the right kind of policy to cover you at all angles.
About the Author
Anna Stenning is knowledgeable on buying motorbike insurance, having helped people choose the right one in the past.
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