Bike Insurance - Why It's Important for All Motorbike Riders

To the significant contingent connected with motorbike drivers inside the UK, dirt bike insurance coverage provides fundamental expense cover just for both gear and also the driver. Competitors that race motorcycles, and / or who drive some sort of dirt bike just for commuter routes, ought to look after the commitment of their dirt bike, whilst likewise accessing reasonably priced health and wellbeing expenses whenever injuries happens because of any sort of accident.

Whilst there are several custom made insurance coverage solutions to help dirt bike riders, 3 specific features are crucial to help bikers. Motorcyclists which pay for high-priced motorcycles, and also would like to preserve their particular investments, have concerns with insurance coverage for their gear. Dirt bike coverage gives the same features to other sorts of vehicle cover. Policy cover incorporates collision protection as well as payment just for damage as well as vehicle repairs included in the plan. A few policies have breaking down retrieval assistance if ever the bike breaks down in any distant area.

Additional bike insurance coverage searchers are certainly more worried about driver safety. A few riders require insurance just for both their selves as well as their sport bikes. On the other hand, various motorcyclists that do not really have that much committed to their motorcycles are certainly more focused on acquiring the correct protection just for injury. Furthermore, motorcycle drivers that race or perhaps ride sport bikes as a occupation may need coverage to protect against decrease in salary and income, when they depend upon their bikes to help with making income.

Third, riders will want legal as well as liability protection. A lot of insurance providers incorporate a degree of motor legal protection together with most policies. Legal motor protection will help safeguard a biker from legal responsibility and / or legalities which occur from mishaps or additional conditions from where the rider is at fault.

Locating a service provider that provides the need protection added benefits, along with excellent services and also claims reply, at a affordable price, are usually crucial to bike insurance purchasers. Insurance companies which react fairly quickly to claims, with minor to no trouble, who offer good customer care, in many cases are a great deal more helpful compared to the least costly insurers. Riders can certainly continue to come across great support at competitive premiums from insurers which are experts in bike insurance.

Various elements can impact the price of bike insurance. The value of the dirt bike as well as the driving background of the rider, are usually essential components. The greater chance for payout for the insurance provider, the more highly-priced the fees. Therefore, bikers with a spotty log and also a background of a bunch of claims can expect to pay far more.

The age of a motorcycle can also be pertinent. A few organizations give selected advertising campaigns or changeable charges and protection which are impacted by the bike's age. A single superb alternative for many riders may be the chance to include motorcycle insurance coverage along with motor insurance, or various other insurance products. Some insurance experts offer discount rates on blended products to be able to appeal to more business through recent clients and pass on the risk. Mutual coverage is also available.

[Source: https://bikeinsuranceblog.wordpress.com/2016/07/05/bike-insurance-why-its-important-for-all-motorbike-riders/]

Why To Go For 2 wheeler insurance

The need and utility of 2 wheeler insurance will never change, no matter which decade or era we are living in. Buying a two wheeler is a sensible and economic decision and there is no need to mention that it is one of the easiest ways to beat the traffic congestion that we face daily on our city streets.

If you are purchasing a two wheeler for yourself, then you must not forget to buy a 2 wheeler insurance policy as its mandatory to have it under the Motor Insurance Act. You can purchase two wheeler insurance for your motorcycle, bike, scooter, etc. It offers wide coverage that helps you in driving securely.

Features & Benefits

The question that arises is why to buy it? Below is the list of features and benefits that may help you in deciding.

Stress-free inspection & cashless claim service

Offer coverage on partial or total loss to your vehicle that occur because of an accident or theft.

Provide coverage on third party damage and third party bodily injury.

You may get attractive discounts on renewal (NCB) for a claimless year.

Predefined reduction for the parts that requires replacement.

Vehicle transport to the nearest garage in case of major breakdown.

Lost key assistance

Add on coverage as well

Need of Insurance

It offers financial coverage for any type of damages or loss that occurs because of natural calamities such as fire, flood, etc.

Coverage against man-made calamities as well that includes theft or accident by external means etc.

The third party legal liability offers coverage against issues arising out of injury/death or property damage to the third party by your vehicle.

Before purchasing 2 wheeler insurance for your bike, scooty, scooter or any other two wheeler, it is essential to know the basic terminology of the same.

Premium

The premium you paid for insurance depends upon several factors such as city where the vehicle got registered, model, age of vehicle, year of manufacture, etc. Premium is decided and regulated by IRDA hence there is not much difference across several companies.

Coverage

It is the financial protection that the insurer offers to you and your two wheeler against any damage and loss caused due to any natural and/or man made calamity. Coverage depends upon the insurer and the plan chosen. That's why it is advisable to buy two wheeler insurance online after comparison.

Exclusions

While purchasing the best two wheeler insurance, you must check its exclusions as it will tell you about situations where the insurer will not be able to offer coverage and required assistance.

Some exclusions will be- normal wear and tear, damage due to drunken driving, driving without license, damage caused by war or nuclear explosions, etc.

Claims

After purchasing the best two wheeler insurance online, you are entitled to get the claim for the damages. It is advisable to not file for any small claim as it will reduce the chances of getting NCB discounts at the time of renewal.

It is advisable to read all the terms and conditions in detail before purchasing an insurance policy. Select your policy wisely making sure it suits your requirements.

Source: [http://twowheelerinsuranceplans.weebly.com/blog/why-to-go-for-2-wheeler-insurance]

Two Wheeler Insurance

Understanding 2 Wheeler Insurance

2 wheeler insurance is mandatory in India. The insurance policy is for the benefits of the vehicle owner as it secures both the vehicle and its owner. Two wheeler insurance provide protection against financial liability and offers you a peace of mind. Two wheeler insurance policy has always been an essential pre-requisite. This policy secures you financially and mentally in case if any mishap or accidents occur. Although, before purchasing any two wheeler insurance policy it is important to understand the different aspects of the insurance policy.

2 wheeler insurance policies are mainly of two types

Liability only policy under which it covers any property damage or any bodily injury to the third party. The policy also covers the owners of the insured vehicle. Liability only policy is mandatory according to the India Motor Act and is compulsory for every vehicle owner to have it.

Comprehensive plan covers all that included in the liability only policy plus damage to the insured vehicle. Comprehensive insurance plan provides a wide range of coverage to the customer and he/she can also avail No Claim Bonus (NCB) under this policy.

Although getting your bike insured is a must do thing, it includes a lot of risk factor too. While buying a bike insurance it is very important to check on the premium offered by the insurer. Generally, the insurance premium of a two wheeler is charged on the basis of

Value and cubic capacity of the two wheeler

Age of two wheeler

From where the two-wheeler is registered

While buying any insurance policy one should not always look for getting the cheapest premium. It is advisable that even if you have to pay a little extra you must try to check all the features that you require in the policy.

An average comprehensive two wheeler insurance policy have a lot of features and benefits. Purchasing a 2 wheeler insurance is pretty simple as it involves limited documentation and limited turnaround times. Two wheeler insurance online helps you to stay protected all the time. While operating the online two wheeler insurance a conformation copy and digitally signed policy documentation are issued immediately after subscription or renewal. Another advantage of getting insured is that you can avail cashless claims servicing across the country at selected network garage. Besides, the comprehensive 2 wheeler insurance policy, there are a plethora of add-on covers available to take care of the situation that is not covered in the main policy.

If you want to get a two wheeler insurance policy then you should also know about what the policy does not cover. There are certain things that are not covered under 2 wheeler insurance these includes-

Normal dent or tear and depreciation of vehicle

Mechanical or electrical breakdown

Loss or damage of the vehicle or person if the rider is drunk and driving

Theft of vehicle parts that are not covered under the policy

The insurance providers offer 24X7 instant claim settlement support to the insure. In the case of an accident, you can easily get your claim done by immediately informing the insurance company within 24hours. Moreover, you can avail the No Claim Bonus (NCB) on renewal if you have a claim free insurance year. Renewal of your bike insurance ensures continuity in protection against natural dangers like fire, earthquake, explosion, flood, etc. Moreover, it covers your damage and pay for the repair work. It also compensates the loss of life or any injury done to the rider and their occupants. While renewing your policy online you can compare plans from the leading provider and save money by comparing policies side by side and choosing the one that fits your pocket the best.

Source:  [http://blogs.rediff.com/twowheelerinsurance/2016/07/02/understanding-2-wheeler-insurance/ ]

Choosing the Right Motorcycle

There was a time when motorcycle owners were stereotyped as outlaws, but now motorcycle enthusiasts come in all walks of life from youth dirt bikers to retirees seeking to tour the country on two wheels. Motorcycles are more popular now than ever because of the freedom they help provide, fuel economy and relatively low cost of maintenance.

Last month Allstate asked the Community: “What type of bike is your motorcycle of choice?” Your answers showed that the choice of motorcycle varies as much as the people who ride them.

• Touring/Sport Touring 27.83% – Touring bikes are substantially larger than other motorcycles but offer unmatched comfort for longer trips. They boast larger gas tanks and increased storage capacity as well. A unique quality of many touring bikes is passenger comfort with full sized and upright seating.
• Sport Bike/High Performance 22.02% – Sport bikes are typically faster and require the rider to lean forward. These bikes are usually better in performance and handling, and are often more lightweight as well. Comfort is somewhat sacrificed for speed and performance but these bikes are extremely popular.
• Standard 11.31% – Standard bikes are essentially a hybrid between cruisers and sport bikes. They are versatile but typically devoid of fairings or wind screens and are usually “naked” in appearance. These bikes are often highly recommended for new riders because of reliability, manageable engines, and low price range
• Custom 7.65% – Customs are difficult to describe because they are usually modified to the riders preference. Larger engines, louder pipes, or handlebars modified to the riders comfort or individual appeal are often additions to this type of motorcycle.

The Choice is yours

When it comes to motorcycles, there certainly are a plethora of options from which to choose. But, how do you pick the motorcycle that is right for you? Choosing the right bike depends on your experience level, price range and driving preferences.

Experience: Your experience with motorcycles or mechanical equipment in general has an effect on which motorcycle you should choose. If you’re a beginner and haven’t had much experience with larger engines, faster speeds, or tighter handling, a sports or custom bike might not be your safest choice. Take into consideration your experience and choose the safest motorcycle for your level.

Price Range: The budget conscious and the unrestricted shopper can both find the right bike insurance online. Custom choppers with vintage wheels and unique paint certainly have price ranges much higher than base level cruisers, but that doesn’t mean a motorcycle purchase is an uneconomical one. Take into consideration purchase price and economic savings when looking at your next motorcycle purchase.

Driving Preference: When you envision cruising the open road in your new motorcycle do you see yourself taking long trips or short ones? Are you a ‘pedal to the metal’ type of driver or do you prefer a more casual cruise? These preferences will take your motorcycle purchase from touring to sport bike in two seconds flat. Think about where you’ll be driving in your new purchase. Your driving preference should help you decide which bike is best for you.

[Source: https://bikeinsuranceblog.wordpress.com/2016/07/01/choosing-the-right-motorcycle/]