Three Reasons Why You Need Bike Insurance

by

Heather P. Knight

Motorbikes are another one of those private possessions that some people do not bother to insure. First of all this is because in most parts of the UK indeed in most of the world bike theft is very common, so lots of people make do with old or inexpensive bikes that have no apparent value to speak of attached to them.

Those who buy nice and pricey bikes on the other hand generally keep them well locked up and looked after, thereby reducing the risk to a point where they, although arguably lulled into a false sense of security, feel it unnecessary to pay insurance premiums.

However there are many good reasons for why a bike should be protected, and many of them are not as obvious as guarding against expenses in case of theft or personal injury. Stay tuned to discover three big needs you might not even have thought of and the insurance brokers that meet them.

Reason 1: Third Party Cover

Unlike with cars and other motor vehicles one does not need to be insured against injury to a third party to ride a bike on UK roads.Moreover the risk of injuring someone else on a bike may seem like a comparatively secondary concern, as cyclists sharing the road with motor traffic are at a far more palpable threat to their own safety than they pose to those around them. However accidents do happen, some involving more than just the cyclist themselves. To avoid needlessly large expenses if or when one causes an accident, options like MCE bike insurance and dial direct bike insurance offer so-called public liability options to their bicycle insurance and mountain bike insurance policies. These options equal to substantial cover for injury to a third party or damage to their property.

Reason 2:Emergency Pickup

Another concern with accidents is that if the bike is totalled when you are out and about it might be difficult and time-consuming to get home. That is not even mentioning bringing the bike along. While admittedly less of a concern in cities, an unplanned long-distance cab ride could amount a not insignificant fee. Imagine then how things might go if the bike breaks down on a tour of the countryside. Many insurance providers cover for this possibility, offering emergency roadside pickup as part of their policies. This feature is not only limited to scenarios akin to the one above, but often also extends to thefts or accidental losses if you are far from home when it happens. Not only cycling bike insurance comes with this feature, but also some motorbike such like Honda insurance.

Bike InsuranceReason 3: Multi Bike Insurance

Finally some people choose not to insure their bikes because of thesheer amount of them they have on their hands. A biking enthusiast might have a number of different bikes for races and competitions, whereas a family might have just as many or even more just so that every family member has their own bike. In both cases it would seem unreasonably expensive to pay insurance premiums for each bike. Fortunately the multi bike insurance option as provided by MCE bike insurance, among others alleviates this problem, allowing for all of them to go on the same insurance policy. While an extra cost is normally charged per added bike, it tends to be cut down to 70 to 80 percent for the second bike and often go as low as 50 percent for additional ones. This makes insuring the bikes a lot more feasible than it would be to purchase separate policies for each bike.

Getting Bike Insurance

To summarize, bike insurance is a good idea not only for coverage in case of theft or personal injury, but also for third party complications and emergency pickup if the bike breaks downor is stolen or lost far from the home. If the above reasons for getting bike insurance have persuaded you into considering one, check out a comparing insurance website like money supermarket to locate the best deals out there. Suffice it to say that lots of insurance providers have policies for the above categories, as well as alternatives that cover more variables than these.

For high quality articles about

car insurance

and related details on

pet insurance

, go to InsuranceImp.com today

Article Source:

ArticleRich.com