Motorcycle cover - you and your bike. Page 2

SUMMARY: There are a significant number of risks involved in owning a motorcycle but what are the insurance costs?

By Melinda Varley

As with any motor insurance, the more powerful the bike, the higher the

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premium is likely to be. The make of the bike may influence the premium also. Expensive bikes are also likely to attract higher premiums.

As with cars, most motorbikes will depreciate quite rapidly. In the ( medical insurance ) event of a material damage claim, insurance companies will only pay the current market value of your bike. In these circumstances it may not be worth paying the additional premium for comprehensive cover over third party, fire and theft only.

If you get points on your license for speeding, dangerous driving etc your ( personal loans ) premium will go up, if you are disqualified for a period you will find insurance is very expensive when you get your license back.

You can sometimes get discounts because of the training you have done, passing an advanced test will usually get you a discount.

All of the above affect your premium, but it will also vary when the ( travel insurance ) insurance companies are trying to balance their risks and you will usually find big differences in prices. Do your research though and don't just go for the cheapest as sometimes, insurance company's try to reduce premiums by reducing the cover.

Remember it is illegal to ride without insurance and always remain honest with insurance companies. If they were to discover that you have not told them something that they should have known, you may find that your insurance is invalid. Aside from the fact that they would not pay a claim, this could also leave you to prosecution for driving without insurance.