HIT THE ROAD WITH NO WORRIES, MATE!
Motorcycles are the most iconic symbol of freedom and escape from everyday life. Even the most jaded people look twice at someone on the back of a bike, wishing they dared to saddle up themselves. The wind in your hair, the feeling of absolutely no boundaries between you and the road is indeed indescribable to a person who doesn’t ride.
But riding a motorcycle is inherently a risky proposition. You have to be aware of EVERYTHING around you because the other drivers may not be. It is a lot easier to be seriously injured in a motorcycle smash-up as the bike rider, and because of that? Most insurances charge through the nose, regardless of how experienced and safe a rider you are.
Since you’ve decided to comparison shop the policies available to you, make sure that you get the most coverage for your hard-earned dollars. Here are some of the policy add-on coverages you may not know you needed.
A good comprehensive insurance policy covers accidental damage, vandalism, most natural disasters (storms, floods, earthquakes), counseling/funeral services, roadside assistance, and emergency lodging reimbursement. Many riders love that it also provides some protection if their belongings are pilfered or damaged on the road.
Look for a policy that provides you an excellent rental reimbursement to get four wheels under you and get you home while your bike is in the shop. It would help if you also considered adding the extra coverage for more valuable belongings, as some of those accessories get pretty dear to replace, And protecting your belongings means your bike trailer too has peace of mind knowing that everything is covered.
Motorbike Insurance comes in a wide range of options, so if the comprehensive plan isn’t your speed, check out some of these other workable and affordable alternatives.
Third-party fire and theft is an excellent middle-of-the-pack option for riders not looking to dip too far into the piggy bank. You are protected from fires, earthquakes, thievery coverage extending to your belongings, and temporary cover replacements, as well as the standard industry rider for counseling services and funeral expenses. What’s stellar about this plan is that it gives motorcyclists the option to buy into the same premium upgrades as the comprehensive plan-more belongings protections, trailer coverage, and a rental car reimbursement while your bike is getting worked on.
Still confused? Consider an entry–level policy instead: it protects you if you damage someone else’s property in a crack up. Motorcyclists are covered for legal liability, given a temporary cover replacement, and offered counseling services in this bare-bones coverage option. While this policy doesn’t allow for adding all the bells and whistles? Riders can opt to cover their bike trailer at this level also. This coverage could make the difference in how liable you are if you become involved in a collision and protect you from expensive civil litigation.
Whatever policy you choose, it is highly recommended that you insure your trailer. Not only does this cover your equipment on the road, but if your bike is damaged during transport, it can receive essential repairs or replacement to keep you hauling safely. This is sure to come in handy with Australian weather changing on a dime and will give you extra peace of mind during a disaster strike. We are a hardy bunch, and while we go through our day-to-day with a cheerful “no worries” attitude, we also know that Australia has a surprise right around the corner if you don’t plan. With nearly every conceivable terrain on Earth that could cause sensational crack-ups, Aussies know how to adapt to the changing conditions. It’s up to us to make sure our insurance policies do too.
As with any insurance coverage, ensuring that you have a workable deductible is imperative. Looking at your monthly budget and choosing the deductible that won’t torpedo your finances if the worst happens is your best offense against our old pal Murphy and his law. Of course, the lower your deductible, the higher your premiums. Choosing an insurance company that pairs exceptional customer service to these amounts will make sure that you feel worry-free.
You took your time finding the perfect machine. That one hugs the road like a glove and makes your heart race every time you change gears and lean into the curve. Be sure to protect yourself and your investment with a reputable and effective insurance company.