Is motorbike insurance important? By all means it is very important, for the motorcyclist. Let’s look at some logic here. Whenever a motorcycle is involved in an accident the chances of the rider(s) being injured is very high, primarily because protection against injury is lower on a motorcycle. Because of the lack of protection the motorcyclist is more apt to be injured, in some cases seriously.

• The Other Driver

Those of us riders, who have enjoyed the freedom our bikes provide, also know that that freedom can turn into a dangerous situation because someone in a car didn’t see us. It’s a scary situation when that happens. But it does happen and sometimes, when it does, it ends in an accident and the motorcycle rider gets hurt. Motorcycles are no real match for cars, especially when a driver doesn’t see us. The car will win every time. The right motorbike insurance policy can protect you at times like this.

• The Basic Coverage Types

In most communities throughout the world, a third party policy which will pay out to people injured by your car or bike is the minimum insurance coverage required by the vehicle registry, within that community, before they will issue license plates for any vehicle, whether it is a car or motorcycle.

Third party motorbike insurance covers damage that your motorcycle might do to others. Exactly what this means is that if you are in accident and you are at fault, with the exception of being intoxicated or under the influence of drugs, your motorcycle insurance will pay for injuries that you caused to another and/or pay for property damage resulting from your accident.
Fully comprehensive bike insurance is another type of motorcycle insurance you can purchase. This policy pays for damage done to your motorbike regardless of fault. If you are hit by someone not seeing you this coverage would cover damage done to your motorcycle. It will also pay for personal injury you or anyone else might have received from the accident.

Fully comprehensive coverage protects your motorcycle investment against vandalism, theft, or fire. If someone steals your motorcycle, as long as you had it appropriately secured, a comprehensive policy will cover it. However, be aware that issues of depreciation come into play here. If your motorbike is stolen comprehensive coverage will not reimburse you the amount you paid for the motorcycle. Instead, the agent will pull out the most recent blue book and find out the motorbikes current worth or value. That amount is what the insurance company will reimburse you.

In between the coverage offered by third party and comprehensive motorbike insurance is third party, fire and theft coverage. This offers you all the liability insurance of a third party policy with additional coverage for if your motorcycle is stolen or catches on fire.

Fully comprehensive bike insurance in SA will also compensate you for injuries which you sustain in a motorcycle accident. For the motorcyclist this policy should be of tremendous interest. In this policy if you are injured in an accident, regardless of fault, with the exception of you being under the influence of alcohol or drugs, at least your medical bills will be paid. Because the motorcycle provides minimal protection against injury for the rider(s) each rider on a motorcycle is at a higher risk of being injured in an accident. Each motorcycle rider knows this and perhaps this is part of the freedom we feel when we ride. But freedom also means protecting ourselves from the unpredictable.

Again, many motorcycle accidents are because someone didn’t see us. As a result of a driver making that quick turn in front of us, because they didn’t see us, we could ourselves in the hospital. However, we can lay in some comfort knowing that our personal injury insurance will help take care of the bills. Get a motorbike insurance quote and protect your bike, yourself and your pocket.