Motorbike Insurance

Motorbike insurance is almost the same as car insurance and covers a motorbike in case of loss, damages and incidents of liability. The premiums for motorcycle insurance are usually determined using the following criteria:

The Motorbike
Newer, more expensive bikes will carry higher insurance premiums than older, cheaper bikes. If high premiums are a significant factor on your decision to buy a motorcycle, then choose a smaller cc motorbike that doesn’t cost too much.

Age
The age of the rider will impact on the premiums of the motorbike policy. Just as with car insurance, young riders are deemed a higher risk while older, mature riders are seen as safer and less likely to be involved in an accident.

Location
Where you live and ride the bike will have an effect on your premiums. If you live and work in a safe neighborhood, you will pay less for your bike insurance than someone who lives in a neighborhood with a high crime rate.

Claims History
If you have been involved in a road accident in the past in a car or on a motorbike this will impact on your premiums. Clean records are rewarded with lower insurance premiums.

Bike Use

If you spend a lot of time on your bike, like commuting to work your chances of being involved in an accident are higher than if you only ride the bike on weekends. How you use your bike will thus affect your premiums.

The cover options for bike riders are as follows:

- Comprehensive Motorbike Insurance
- 3rd Party
- Liability Insurance
- Collision Cover
- Roadside Assistance
- Fire & Theft