Motorbike Information

Riding a scooter is the perfect way to start your path into riding a motorcycle, however, it is still useful to gain experience alongside someone who has had years of experience riding a motorcycle. The best way of learning is to learn from a proper qualified instructor who can teach you the correct ways of learning as opposed to teaching you bad habits that others may indirectly teach you. Unfortunately when riding a scooter, the same rules apply to you as it does to a motorbike user, and that is purchasing a good comprehensive insurance package.

Scooter insurance can cost as much as a motorbike insurance policy, only the difference is you may have to pay on a motorbike depending on the make. As a first time motorbike user you will naturally have to pay more in insurance, as you are inexperienced and are at more risk of causing an accident. Furthermore, your license will be relatively new and many insurance companies look for licenses that have been obtained at a minimum of two years and are completely clean from any problems.

It is always a good idea to let the insurance companies know what CC scooter you ride, so they can calculate how much scooter insurance you pay based on the power of the scooter. Prior to this it would be a good idea to go online to compare prices, as this will give you a better idea on how much you will need to pay on average, rather than paying more than you should for an insurance policy that may be cheaper elsewhere.

If you cannot decide which company to go for it would then be a good idea to approach an insurance broker, as they will provide you with advice and guidance on the various policies available. It would also be a good idea to approach the insurance companies to select their cheapest insurance policies, they will quote you a price and if you have had enough time to research other companies then you will be able to do some friendly haggling.

If you think one company is quoting you too much, then you can move on to the next one or haggle with them to bring the price down. This is a good way to avoid paying too much and to get the insurance policy that you need. Without prior knowledge of what other companies offer you, there is no way you can make a realistic haggle as this will mean that you will not know what to ask for. Once you get to that level of finding the right insurance policy, make sure that you know what you are entitled to before signing on the dotted line.

Often people do not know the difference between different insurance policies. Always read up in the packages offered and select the one suitable for you. There are three main policies which are third party cover, third party including fire and theft cover, and fully comprehensive. The last of the three is the most expensive policy, however, it covers everything from medical costs to damage repair. Scooter insurance is not as competitive as car insurance; therefore, it is easier for you to get a cheap fully comprehensive cover as you will be riding a smaller vehicle.

It’s certainly true that motorbike enthusiasts are passionate about all things to do with motorbikes – there are a multitude of magazines on the shelves catering for bikers which talk about the latest bikes, accessories and celebrity owners. While this is enjoyable reading if you own a motorbike, details of the various motorbike insurance policies available make for very important reading matter also.

No doubt you will have purchased motorbike insurance when you passed your test and bought your first motorbike – but are you getting the best deal? It’s important to review your insurance regularly. If you end up securing a more competitive quote, you could put the extra money towards a better bike – maybe, if you win the lottery too, you could afford one of the world’s most extravagant and powerful bikes!

Top Three Most Expensive Motorbikes In The World

If you manage to squirrel away a few extra pennies over the course of many, many years or you are extremely wealthy, you might be able to afford one of the world’s most expensive motorbikes – sleek and stylish powerful machines, they put the batmobile to shame.

The MV Agusta F4 1100 CC is the cheapest of the bunch at a around £82,256 – it has 200 horse power (hp) and a topspeed of 195mph. Sleek and stylish in appearance, you would feel on top of the world cruising around in this bike. Next, at £112,700 is the MTT Turbine Superbike, and super indeed it is. This beast has a Rolls Royce engine actually designed to be able to lift a helicopter, has 300+hp and a topspeed of 227mph – it’s even in the Guiness Book of World Records as the most powerful production motorbike ever made.

Last but not least, the most expensive motorbike in the world currently is the Dodge Tomahawk at a massive £335,120 each. It is also the fastest model ever made with a topspeed of 419mph, however it’s actually illegal to drive it on the street, such is it’s power – only ten were ever produced and talk-show host Jay Leno is the proud owner of one of them.

However, such motorbikes are only to dream about for most of us, so a good option for around £5000 is the Honda CBF600 or the Kawasaki ER6-n – both are great performers and a solid ride, particularly for the first-time biker. And crucially, both will be much more forgiving on your motorbike insurance premium than the high powered bikes mentioned above.

The Easy Way To Compare Motorbike Insurance

You can research the world’s fastest and most expensive motorbikes on the internet and while you are there, look into motorbike insurance. If you were lucky enough to be able to afford one of the top three bikes you would certainly have the best motorbike insurance money could buy, but it’s equally important to insure the bike you have in case of theft or an accident – it might not be a Dodge Tomahawk but it is a treasured possession.

The motorbike insurance industry now has the use of a Motor Insurance Database; this holds information of all motor insurance policies including cars, motorbikes, vans, and Lorries. In addition, records of your vehicles MOT and Road Tax are also kept on databases. These are all accessible by the police, to determine whether a vehicle is legally fit to be on the road.

These databases were created to catch uninsured vehicles on the road, in addition to vehicles that are either untaxed or without a MOT certificate. Uninsured drivers alone cost the government on average around 380 million pounds according to the DirectGov website.

This money is added to our motorbike insurance policies, and costs the honest motorist on average 30 pounds per policy according to the DirectGov website. This is called IPT (Insurance Premium Tax) costing you five percent of your insurance premium.

The database also holds information of whether you have an insurance policy on another vehicle, which entitles you to drive any other vehicle, in the event you are driving a friends vehicle.

The combination of the insurance and MOT databases, enable us to buy our road tax online, making the whole process much easier, and does not cost us any more money. This is provided that your insurance and MOT information has been stored on the database correctly.

Motorbike insurance companies check their information against the database on a regular basis, keeping it both up to date and correct. If a customer of bike insurance has for example provided an incorrect registration number, this will be picked up by the checks in a matter of days. The client is then contacted to rectify this error, some of the time it may be that the vehicle has been sold, and the insurance policy has not been cancelled.

Many vehicles that are sold do not have their insurance policies cancelled. When the new rider or driver then tries to insure the vehicle, this can cause complications, as a vehicle cannot be insured twice. You must always cancel an insurance policy on a vehicle you no longer own, as this can also cause complication for you if the vehicle is involved in an accident.

Motorbike insurance companies have the responsibility to keep the database as up to date as humanly possible, meaning that if any information is delayed over a set time, the insurance company can face fines for this. This is why the insurers require certain paperwork from customers to be returned within a certain time, and if this is not received, they can invoke cancellation procedures.

However, there can be delays of a few days before your information appears on the database. The information is transmitted overnight from the insurance companies to the database. So do not expect to tax your vehicle the same day as insuring it, whether you have insured it over the phone, or online.

The police have the ability to scan vehicle registration number plates, and check the database for insurance, tax, and MOT in a matter of seconds. If your vehicle is found uninsured, the police have the power to seize your vehicle, with the possibility of destroying it in the event no one with valid insurance claims it. This will enable them to crack down on vehicles that are not fit to be on the road.

Having the database in place is an advantage to us all; it speeds up both police checks, and helps to crack down on uninsured drivers making it a very efficient way of accessing the data. Therefore, whether you are uninsured, untaxed or your vehicle has no MOT, it is only a matter of time before you are caught.

According to research conducted by the UK’s biggest insurer the period between May 23th and 25th has been identified as the most dangerous time of the year for motorcyclists. Recent claims data reveals that there is a staggering 50 per cent increase in motorcycle accidents at or around this time of the year – which is the May ending Bank Holiday period – making this day the single biggest day for claims. As the weather gets warmer and enthusiasts get to riding on their motorbikes for their first ride of the year, the UK’s biggest insurance provider, Aviva, is warning both the nation’s estimated 1.2 million motorcyclists as well as other motorists, to be extra vigilant. Britain is now heading into the most statistically dangerous part of the year for motorbike accidents caused by motorists. More bikes on the roads Nigel Bartram the senior motor underwriting manager at Norwich Union, said: “As bike fans are keen to get back on the road after a long winter, our claims data shows that accidents are more likely to happen at this time of year. We are urging motorcyclists to be more careful, but equally want to make drivers more aware of the increase in motorbikes that will be filling the roads.” Mr Bartram also added that: “Checking for blind spots, being aware of bikes overtaking or undertaking and being extra careful when opening doors and pulling out, are just some of the simple steps that drivers can take.” Norwich Union also attributes the large increase in claims to the warm weather which encourages more ‘weekend riders’ onto the roads, but also to the glare of bright sunshine, leading to more accidents than there are on rainy days. On the brightest and hottest summer days Norwich Union says that it sees a 50 per cent increase in motor claims, compared to an average day. In addition an increasing number of people appear to be taking out bike insurance policies and heading out onto Britain’s roads on two wheels instead of four, new research has claimed. According to a new study, the number of Britons that are choosing to get in the saddle instead of behind the wheel has surged by almost a quarter this year. Two wheels instead of four More people are being attracted to taking out insurance policies for their motorbikes and heading out on two wheels because of the credit crunch, according to the Post Office, which undertook the research. Richard Pennant-Jones the head of general insurance at the Post Office said: “At a time when many people are stretched financially, switching from four wheels to two is one way to save money.” He continued: “Using mopeds or motorcycles over the spring and summer can help reduce day-to-day transport and running costs, including motorbike insurance which could be significantly cheaper for motorcycles and mopeds than cars.” The UK car industry has suffered a sharp decline in sales over the past year, as the recession has forced many motorists to downgrade their vehicles from large cars to smaller ones, while others have simply chosen to keep their existing vehicle. Taking out bike insurance and buying a motorbike instead of a new car looks set to offer motorists some relief from the high costs of running a vehicle during the recession. If you need the right bike insurance policy for your motorbike, find the right policy fir you at OnlyInsurance.