How insured is your motorcycle – Equip yourself against accident Riding a motorcycle is exciting! In spite of the excitement, the risk is something that has kept most people far from it. Unlike drivers with some semblance of safety within their bike, motorcyclist are armed with a helmet and other items for their protection. Besides this, there are other risks associated with riding a motorcycle. For instance, motorcycles are fast, small, and maneuverable. Because of this, they are harder to see from a far distance. Furthermore, they can navigate through tight spaces; they are easier to steal. Additionally, they are more susceptible to greater damages, especially during an accident. Remarkably, most motorcycle riders are extremely vulnerable to accident because of this, they have high chances of dying. According to statistics, car drivers contribute to about 14% accident death while motorcycle drivers cause 53% of accident death. Because of this, having your motorcycle insured will be helpful.
How significant is motorcycle insurance? Motorcycle insurance is importer to riders not only because of the financial gains but because of the protection they get in case there is damages, injuries, loss, and theft to their motorcycle. For racers, it is not an option to consider especially if they compete on a level ground. Motorcycle insurance works like those of car insurance. Even if you use a motorcycle, you still have to buy the particular insurance plan that suits your need. The insurance premium is the money a business or individual pays to get an insurance policy. With this policy, you are covered in case something happens to your motorcycle.
How much does a motorcycle insurance cost? For most people, the issue of buying insurance lies in the cost. However, if you consider the glamour bike price or Karizma price of your bike, you may agree that it is worth the investment. Nevertheless, a motorcycle insurance premium depends on the price of your bike. Although, other factors may contribute to the amount you have to pay for your insurance. The following factors are taken into consideration.  
Address (Do you reside in a crime-dominated area) Riding history (Have you had previous accident using the motorcycle)
Motorcycle make (If it is a Big bike, cruiser, touring, or standard bike) Modification (Are there any after sale modification) Security (What security devices or features do you use to keep your bike safe and protected)
What does Motorcycle insurance cover? Motorcycle insurance ensures you and your family stay protected from every kind of circumstances. The amount of protection you receive from an insurance company is known as coverage. Importantly, not all insurance company offer coverage to their customers. Your motorcycle insurance is for your bike alone and doesn’t cover any bodily or property damage. What this means is that you are responsible for any medical issues regarding body injuries and will pay for any repair or replacement on the property of any person in the event of an accident. Finally, remember motorcycle insurance providers have limits to what they will pay if an accident occurs.
Author’s Bio Fox Long in this article educates his audience on the importance of insurance for their motorcycle. He further advocated that getting an insurance is necessary when you consider the glamour bike price when buying it.