Auto Insurance Quotes ~ Types of Motorcycle Insurance Policy : For those of us that own a motorcycle, shopping for a motorcycle insurance policy needn’t be a difficult or time consuming process.
There are many insurers worldwide that deal with specifically providing motorcycle insurance policies. Whether you need Harley Davidson insurance to needing sport bike insurance there is a motorcycle insurance policy out there that will tailor your needs.
New to riding a motorcycle? This is not a problem as many insurers readily offer cover to people without any no-claims history.
As with regular car insurance or auto insurance as it is generally known, the generic types of motorcycle insurance policy that are available are:
- Fully comprehensive - All aspects of cover are catered for yourself and your bike as well as damage and costs to other motorists and their vehicles with this thorough but expensive option
- Third party fire and theft - A cheaper option that covers damage and costs to a third party and their vehicle as well as theft and fire damage to your own bike. It does not cover any harm that is caused to you.
- Third party - The cheapest and bare minimum required as far as motorcycle insurance policies go. This policy will cover only damage and costs to a third party caused by you and places no value upon your bike or even your own life.
Sport Bike Insurance
For those of us that love the thrill of a fast ride, sport bike insurance can be just what we need to cover us when we are out tearing the road apart! Of course cover will be primarily for your sport bike but you can also include your helmet and leather apparel, breakdown cover and accident recovery too. As with other auto insurance policies an excess can apply. If you have any doubts over whether your specific bike can be covered it is a good idea to contact an insurer directly as often they will tailor a policy by manufacturer.
Scooter Insurance
If you are the proud owner of a scooter and enjoy burning about on your little twisty then there is a motorcycle insurance policy out there for you! Scooter Insurance can be one of the cheapest motorcycle insurance policies available in today’s auto insurance market.
By applying on-line, over the phone or via a financial adviser or broker you are just a few simple questions away from getting the cover you need. As with sport bike insurance you can not only insure your motorcycle but also your helmet and apparel as well as breakdown cover and accident and recovery.
Electric Bike Insurance
Everybody knows that electronic bikes are beneficial to the environment, many even believe that they are going to be the way of the future as far as bikes go! However in the here and now there are several reasons why they are a smart choice, no gas charges being number one! Ever struggled parking your electric bike? Thought not! Getting a motorcycle insurance policy for your electric bike is both simple and cheap! There are a range of speciality insurers on-line who deal with insuring electronic bikes, if you can't find one or your exact bike is not covered then speak to a financial adviser or broker.
Harley Davidson Insurance
Proud owner or a Harley? There are insurers that deal specifically with insuring Harley Davidson riders! Whether you own a new or old model of this iconic brand, if it's your first or your tenth there is a rate available to suit you! Generally the insurer will insure you if the bike is not going to be used for rallying, competitions or for hire. Specific insurance for other popular bikes by manufacturer is also readily available on-line.
Much like in the UK cover can be taken out to combine everything and be comprehensive or lesser coverages can be combined to provide cover for third party fire and theft.
In the USA cover can depend on which state it is that you reside in and from insurer to insurer, the above is a guideline and will generally be the cover offered. Each state can have a different minimum level of cover requirement by law. The insurer you approach to take out your cover with will be well aware and able to advise you on this.
An application for a motorcycle insurance policy is a very straightforward process, all the insurer needs to know is the following:
- Personal details - Name, address, date of birth, gender, occupation
- Driving Licence details - Type of licence, how long you have held your licence for, any bike riding qualifications or additional driving course certificates, any claims or convictions as a bike rider
- Details of any additional riders that you want on the policy
- Full bike details - Make, model, age, registration, style for example if it's a sport bike insurance policy you need, value, import details if relevant, security device details
- Cover details - Date cover is to commence, reasons the bike will be used, for example commuting, your annual mileage, type of cover you want for example comprehensive or third party fire and theft, your no claims history, excess details or choice of a voluntary excess
- Other vehicle details - Details of other vehicles owned by members of your household
It is as simple as that! If you can provide the above information you are well on your way to obtaining either a motorcycle insurance quote or motorcycle insurance policy!
