Motorcycle and Bike Insurance (a short online introduction)

Now I am sure you won’t be surfing the Racer Zone website if you don’t own a motorcycle or you might be looking at purchasing a motorcycle or bike.
Like any other element used on the South African roads, legally you must have insurance on it. Especially if you bought your new Super bike using a Hire Purchase installment sale agreement and thus still owing the bank.

Obtaining motorcycle insurance is just as important as having a good crash helmet when riding your Super bike. Unfortunately as you might know any motorcycle is more prone to damage in any accident on the road, way more than any car you might own. The number one reason for motorcycle / bike accidents is the increased speeds that motorcyclists travel with. Like with any motor vehicle insurance company you would need a valid driver’s license or rider’s learner’s license to obtain your bike insurance. Your bike insurance can be handled by the same company handling your current car and household insurance.

Some questions you must ask when taking Motorcycle / Bike insurance:

-          Ask about biuke insurance coverage benefits and claim procedures, as they should be properly understood.

-          Ask about the types of coverage done by the company and how to claim the money for the accidental damages. Good to know what protocol should be followed.

-          Does your motorcycle insurance cover you on a superbike track day at the local Motorcycle racing track?

-          Will your first insurance payment be double?

-          What will your insurance excess be should you have a motorcycle accident.

Why would a typical insurance company not compensate you if you should have a claim on your Motorcycle.

-Should the rider of the motorcycle not have the relevant licensed to drive the particular motorcycle.

-If the rider was under the influence of drugs or while the percentage of alcohol in the driver’s blood exceeds the legal limit.

-If the rider of the motorcycle / bike drivers license was for some reason endorsed.

-If the motorcycle was used by an unauthorised rider on board the motorcycle without the owner’s permission.

-IF the motorcycle does not consist of a proper legal roadworthy certificate.

Is does clearly make sense to know where you ensure your motorcycle and what your insurance terms are.

A good idea is to use the online insurance quotation tool provided by some Companies today. The results are accurate and FAST!