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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There is a wide selection of exercise activities and exercise equipment that you can choose from, and the distractions at home can make it very difficult to do the exercise regularly. Used, reconditioned equipment provides an affordable and increasingly popular way to develop and outfit new or existing facilities at your home or office. If you buy from an established dealer, your exercise equipment will be examined by a qualified technician who will physically inspect all moving parts, and any bike part that shows more than 25% of wear will be replaced.
Today bikes are stationary and equipment with computers to help with the workout. Riding a stationary bike there is no worry about dogs, traffic or weather, since you are inside and not going anywhere. It means that using this type of home exercise equipment is going to require a person to spend many, many hours using the bicycle.
It is truly amazing just how much these amazing fitness machines have changed over the last few years. Bicycles are more compact and do not take up that much space unlike treadmills and fitness rowers, which take a huge amount of space. Having the exercise equipment is your home is fantastic; you don?t have to drive to a gym, so your home fitness equipment is more convenient. In the craze over new fangled fitness equipment, the exercise bike often gets overlooked.
When you are exercising on a bike the joints have more pressure on them because when you sit on a bike your feet are below the rider. The recumbent bike it designed differently the seat is setup very similar to a chair and the pedals are positioned in front of the chair, this make the pedaling a much natural feel.
Different people like to exercise in different ways some like to pedal slowly and have a high resistance and other like to pedal very fast and have not resistance, with many bikes this is a included feature. Aside from the exercise programs the health professional will also determine the correct posture and resistance that are needed. Most of the exercise bikes, which are available in the market, have a control panel as well as a range of resistance levels. It’s easy to adjust the height of the seat as well as the resistance levels. There is variety with resistance bikes as well.
The bike exercise programs offer fantastic cardio workouts which are not high impact. When choosing a exercise bike it is very important to read all the reviews so you make an intelligent decision, plus you want to pick the bike that is right for you. Riding bikes is a fantastic way to lose calories and is a great vascular work out which will help tone your body.
Most people have a problem starting their exercise routine it can be daunting but after a week or so you will find your fitness level improving and overall health. Don?t give up and don?t listen to outside influences, if you keep exercising and keep a schedule you will be creating a great habit and if you miss a day you will feel guilty. Once you feel guilty about missing a day you know you are on your way to a fit body.
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