With the increasing popularity of motorbikes of all kinds, more people in Australia are considering buying a road bike, an off-road bike or a stylish European scooter for use as their main mode of transport, maybe just for fun, for serious sport and even for the commute to work. Be honest - Insurers will ask many questions to see whether you qualify for their insurance policies and also to calculate your premium rates. You must make sure you answer their questions honestly - otherwise you run the gauntlet of having your claim rejected on the grounds of "non disclosure". If you currently don't lock your bike up, and it doesn't have an alarm fitted then you need to be honest about those things. Better still, store your bike securely and insurance companies will be much more inclined to give you a very good quote.
Don't Estimate - If your motor bike, off road bike or scooter is brand new then you will have no problems knowing its value. However, for motorbike owners who have had a bike in their position for quite some time then you might not accurately know how much its worth - and therefore how much to insure it for. So, similar to insuring a regular commuter car or a classic car you need to get a proper valuation of your bike. If you take a guess at your bike's value you might get it spot on, but more than likely you will over value it thus making your premiums higher than needed. On the flip side you could seriously under value your bike leaving you with insufficient coverage if you lost it to accident, theft or some other form of damage or loss.
Shop Around - Don't just renew your existing motorcycle insurance. Be prepared to look on the Internet on comparison websites and call around insurers to get the most competitive quote possible. You may be able to not only lower the cost of insurance premiums on your motorbike but you might be able to pick up a great deal. In your search for cheaper bike insurance, don't forget to ask around for advice from any motorbike clubs or riders who have been riding bikes for longer.
Motorbike Insurance - Find an insurer who deals specifically with motorbike riders. Insurance companies who specialise in motorbikes and road bikes better understand the needs of motorbike riders and appreciate the value, both in terms of money and personal connection, that riders have for their prized bikes.
Riding Gear - Consider the extras. How much of a hassle would it be to you if you lost your helmet, gloves and boots to some thief? Whats more, many bikers who ride scooters and road bikes also carry many other valuable items such as mp3 players and laptops. Check out what the insurance companies can do to cover those items.
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