As summer draws to a close, around 10,000 UK bikers start to think about laying up their motor bikes for the winter months. From the end of October through until Easter, the thought of motor biking is not so appealing and there is little point in taxing and insuring the bike. Bikes are winterised and stored away at the back of the garage awaiting the better weather. Sadly, thieves are aware of this and so some 600 bikes are stolen every month.
Obviously if you have totally cancelled your policy you will be unable to claim for this theft. You can, however, reduce the cover to a minimum for fire and theft and this is worth considering.
If you?re more used to insuring cars than motor bikes, you?ll find some of the features of bike insurance very odd. For instance, it?s not possible to accumulate bonuses over time, as with a car. Occasionally you may find an insurer who will give you some discount if you don?t claim for a certain period with the same insurer, but this is not the norm.
There are various policies. Specified Bike Policy, Specified Rider Policy, Comprehensive and Third Party Insurance. With a specified bike policy you are covering the bike and not the rider. This means you could insure a number of riders on the same bike.
A specified rider policy covers the rider, but not the bike. This means the rider is covered on any motor bike up to the size specified on the policy.
Comprehensive and third party insurance are more familiar terms. Comprehensive is the most expensive. Apart from paying for repairs to the bike in the case of accidental damage, it may offer some extras such as breakdown cover. In the event of a claim, you will only pay the excess as stated on the policy. With third party you simply buy the minimum legal insurance. This means you are covered for any property you may damage or people you might injure. You would not be reimbursed for your bike or anything else and an excess would still be payable. Third party is the cheapest form of insurance.
Younger riders will be charged higher premiums for their policies due to their inexperience and the increased risk of motor cycling. There is a frighteningly high accident rate and statistics tell us they are much more likely to be involved in an accident than more mature riders. Damage caused to themselves is often costly and lifelong.
The more hours spent on the road, the higher the risk and riders using their bikes to travel from one location to another as far as their work is involved will be likely to be charged higher premiums. Claims made in recent years for driving-related accidents will have an adverse effect on your premium too.
Other factors that will influence the premium will be the power and make of the bike. There are some very expensive bikes around and obviously this will mean a higher premium will be charged. If you have any penalties for speeding or dangerous driving your premium will rise and if you were to be disqualified for a length of time, insurance would be extremely expensive when your licence was re-instated.
To try and get the cost of premiums down, consider security devices such as immobilisers, alarms and steering locks. It may also be possible to get discounts for any training courses you have completed.
Be completely honest with your insurance company. Failure to disclose something which the company later discovers can invalidate your insurance. Not only would you not receive payment for any claim, but you could be prosecuted for driving without insurance.
An internet broker will be able to offer you plenty of advice when it comes to choosing an insurer. They?ll find a choice of policies to suit your circumstances and their experience will be invaluable. There are internet-only deals and discounts which they?ll be able to offer too.
Keep insured and safe.
About the Author:
Michael has worked in financial srrvices for over 15 years. He now writes on financial matters for a number of UK based web sites. Car Insurance Smasher are a specialist website that offers uk residents car insurance quotes online.
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Established as Kawasaki Aircraft Company to primarily produce components and parts from aeroplanes, Kawasaki began their first venture into the world of motorcycles in 1949 with a motorbike engine.? Taking three years to develop and complete, it was mass manufactured a year later as a 148cc engine, featuring a four stroke, single cylinder and had a maximum power output of 4 PS.
Twelve months on in 1954, the first fully complete motorbike was manufactured under Meihatsu, a part of the larger Kawasaki Aircraft Company.? However, it took six years for the company to build a dedicated company to motorbikes and in 1960, with the opening imminent, the company bought Meguro Motorcycles and began mass producing motorbikes immediately.
Over the years, Kawasaki has entered teams into various racing contests, with their first success coming in 1969 when Dave Simmonds won the 125cc World Championship.
Shadowing over all other motorbike teams throughout the mid-1970?s to the mid-1980?s, Kawasaki reaped medal upon medal in various classes and firmly established themselves in the racing scene with their world class motorbikes.
After several years of racing with different teams and riders, in 2007 Kawasaki created a subsidiary company of Kawasaki Heavy Industries, Kawasaki Motors Racing to take care of all racing activities that Kawasaki are involved in ? primarily the MotoGP team.
Only winners of one Superbike World Championship (in 1993), whilst Reg Pridmore and Eddie Lawson are credible mentions, two of Kawasaki?s most famous riders are definitely Anton Mang and Kork Ballington.? Mang won several World Championships for Kawasaki in the early 1980?s in the 250cc and 350cc categories whilst Ballington was Mang?s predecessor, winning World Championships in both 1978 and 1979, for both the 250cc and 350cc categories.
Whilst Mang and Ballington are famous for riding Kawasaki motorbikes, Kawasaki?s greatest winner and most popular rider is definitely ride Doug Chandler.? The American rider raced for Kawasaki throughout the 1990?s and early 2000?s, winning three AMA Superbike Championship?s throughout his time ? the first in 1990, the second in 1996 and the final in 1997.? One of only four riders to win the AMA Grand Slam ? a mile, half-mile, short track, TT and road race – Chandler was inducted into the AMA Motorcycle Hall of Fame in 2006.
As well as racing bikes, Kawasaki have produced some fantastic on-road bikes.? From the early 1990?s KSE500 to the popular KZ900, Kawasaki?s most famous bikes are definitely their Ninja range.? With just under 20 bikes with the Ninja tag, they are popular amongst all sorts of riders, as there is a bike for all types and competency?s of riders.? Starting back in the mid 1980?s with the Ninja ZXR 750 to the currently massively popular ZZR1400, each bike carries the same, famous Kawasaki characteristics but is individual in its own right. Its also important to mention that due to their very own nature, Kawasaki Motorcycles has always played the role of Maverick in the industry and that a feeling of independence from their main competitors has always been present.
The only issue is finding Kawasaki motorbike insurance ? they?re so popular and so fast
, it?s difficult to find a cheap premium to actually get your Kawasaki bike out onto the road.
Source: Free Articles from ArticlesFactory.com
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