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5 Factors to Consider When Looking For Motorcycle Insurance

Updated: Jul 4, 2019


Buying a good motorcycle insurance, is without doubt one of the things in which people do not understand is on how go about begin the process.

There are a lot of things that one should do before opting any kind of single policy in the face value. It is however important to that insurance with regards to your motorcycle, is a required by law and you shouldn't use the motorbike without it.

In addition to fact that it can be a legal requirement, the insurance cover works to shield you and your bike in case something happens to you. Getting the best insurance policy does not necessarily mean that you should go for the most expensive insurance.

Getting motorcycle insurance today is much easier compared to the pastsince you could be able to discover an insurance company through the web right from the comfort of your house. The insurance quotes are usually accessible making the whole procedure of decision making much easier.


It is therefore important have a good look at insurance companies and see how much they charge, and what they offer. At first, it might look that many insurance companies offer more or less the same service. But the difference is at the details.

We, at Siima MotoWear have done some research on the subject and we present you with a few useful tips to consider before getting a motorcycle insurance:

1. It is very important to run a background search of the insurance company you are planning to get the insurance from. Make sure the company is financially stable and experienced in motorcycle insurances. Many companies have been in market for decades and have got sufficient reviews from their customers something which help to know whether they are reliable or not. Use this as the tool to help you make your mind up. You also need to take make sure the insurance has a policy that offers you the maximum coverage that incorporates things such as a liability and medical cover.


2. Before you rush to judge the price, consider your age, the years of experience you have riding a motorcycle, and whether you had any motorcycle accidents. All the aforementioned are important for insurance companies. The younger you are (up to a point, because after an age the insurance company will actually charge more because you are of older age), the higher the cost. The less the riding experience, the higher the cost. If you have a history of accidents with motorcycle, the cost goes higher. Just keep these things in mind.

3. This might sound a little bit sexist but gender is also being considered. Men traditionally have higher insurance rates than women. This is because men are more likely to cause an accident according to insurance companies.



4. The duration that yonu hold your motorcycle license is a decisive factor in defining the rate of your motorcycle insurance.


5. Make sure you carefully read all the insurance policies regarding liability and cover. The insurance company should specify to what extent will it cover you and under which circumstances.

Be very thorough as insurance companies tend to have policy gaps usually mentioned ins their "terms and conditions"

Make sure you stay safe. Have a look at our motorcycle gear.

Any thoughts on the subject? Leave your comments below.


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