First, find out how much the average price of motorbike or scooter insurance quotes. Many people have fallen into the trap of being misinformed or confused over what all the terminologies mean. There are plenty of websites available over the internet to tell you, which companies have the best prices and deals, but not enough sites that are helpful enough to explain all the finer details to you. Therefore, look on bike and scooter forums, put up a post and ask other experienced motorists for this kind of information. You could always compare the prices and services of each company, which is a good idea to see what is out there and the different policies offered.

Second, take a note of your motorbike or scooter model, as this will make a difference to the insurance quote. Motorbike and scooter insurance base the quote on how old your bike is, what the model of your bike is and when you bought the bike. How much you insure it by, what to cover and who to cover are all optional. Some agents will offer you cover for damage to your bike, damaged caused by another driver without insurance or cover for other passengers. If in doubt you can discuss this further with your agent – it is advisable that you are clear on everything.

Third, when you talk to your agent try enquiring about whether you are likely to qualify for a discount. Some insurance companies offer safety courses that will then qualify you for a good discount. Other insurance companies may give you discounts for insuring something else other than your bike/scooter with the same insurance company, for example a car, house, apartment etc. You could also qualify for discounts if you have a long driving history, good driving record of accomplishment or within a specific employment group. If this is you or you feel that perhaps are eligible for a discount, it is worth you providing as much information as you can to your agent to see what your options are.

Finally one thing to remember, even if you are feeling frustrated from being quoted so many prices and are ready to give up your researching. The key issue that many motorists find is that although they feel they are good drivers, they may feel it unnecessary to purchase good insurance. This is a big mistake and results in serious financial consequences, even the risk of losing your license. Stay wise and stick to finding a good insurance policy, get as much advice as you can from other experienced motorists, talk to the agents asking as many questions as you can; it will be worth all your efforts to stay prepared and you would rather have good cover than no cover at all.

Anna Stenning is an expert on motorbike and scooter insurance, as she has owned scooter before learning to drive a car. For more on insurance policies for motorbikes and scooters visit http://www.insureyourbike.com/

Getting home that day, the first thing to do is dig out all your motorbike or moped insurance paperwork, and call your insurance company. Chances are you have arranged your insurance through a broker and they have placed you with a larger company.

Rather than your paperwork being passed back and forth across the country, you will be given a telephone number for both a solicitor, if you opted for legal assistance when taking out your policy, and a direct telephone number for your insurance company to deal with. In an effort to speed up the claims process, all insurers’ deals directly with the client to settle the claim at the earliest possibly date.

Motorcycle claims can take anything from a month to several years to settle depending on the circumstances.

Now, in the event that a nice car driver decides to pull out in front of you, bouncing you across his bonnet, you will need to pursue a claim against him, there are two ways of doing this.

1. You can pursue the claim yourself providing evidence of the damage to the third parties insurance company. This evidence may include repair estimates for work that needs to be done to your bike, any damages to your helmet, leathers, or clothing. It could also include evidence of the use of a hire vehicle whilst your own vehicle is off the road. This process can be lengthy, and without experience dealing with this, you can find it difficult.

2. When taking out your motorbike/moped insurance, you may have been asked whether you would like legal assistance, or it may have been included in your policy. If this was the case, after a non-fault accident you are provided with a team of solicitors, with years of experience, to deal with your claim.

The solicitors can arrange the inspection of your vehicle for repairs, a hire-vehicle to be delivered, or arrange necessary doctors’ appointments for any personal injury. With a team of experienced solicitors working for you, this can help the claim be settled much faster, and for every cost to be recovered, including their own, meaning you don’t have to pay any extra for this service.

The effect on your insurance can vary depending on the circumstances of the claim; a non-fault accident should not make any difference, providing the claim is settled before taking out a new policy or renewing an existing one. Fire, theft, or fault accidents all have much greater effects on your motorbike/moped insurance, not only will the claim count against you, but you may also lose your no claims discount if it was not protected.

There is no set figure per accident that your insurance will increase by; each accident needs to be looked at individually, depending on the age of the claim, the amount paid for any damages and who was to blame.

In the event that a driver with no insurance hits you, do not expect not to be paid out, the Motor Insurance Bureau will pay compensation for your damage or injuries, provided the uninsured vehicle can be identified. This is the reason on average you pay an extra 30 pounds for your insurance policy, the Insurance Premium Tax making up 5% of your premium goes towards paying for uninsured drivers, increasing the cost of your motorbike insurance.

Accidents can happen anywhere, anytime, and have all kinds of effects on your insurance. To make your life easier collect as much information as possible from all parties involved. And, as your insurance company will say, never admit liability.

No Matter how much you want to buy your motorbike the only thing you cannot avoid is the cost of buying one, maintaining and purchasing motorcycle insurance to go with it. Insurance is a vital part of purchasing a motorbike, without that it can land you in huge amounts of trouble and as a new motorcyclist that would be the last thing you would want. Whenever one purchases a new bike, the first thing they should be thinking about is what insurance policy they should ideally be going for.

Motorcycle insurance is very simple to understand, however, for those who have very little experience in the process of applying for an insurance policy they will need to research upon the terminologies used. This can be very confusing at first, but once you have come to grasp how it works you will be scratching your head thinking what the fuss was about. It is a good idea to start looking for insurance companies, brokers and get a quote on your new bike.

The unfortunate thing about being a new motorcyclist is that you have to pay more than an experienced motorist. Try not to panic too much when reading this, but that is how it works and be rest assured that as the years pass on this will become cheaper. The more experienced you become, the more reliable you are on the road. Most of the insurance are from beginner motorists and this is a statistical fact so there is no way around it.

Motorcycle insurance come in three main categories, which are, third party cover, third party and theft cover and comprehensive cover. At this point, this should be self-explanatory, but for those who have never heard of this will be at a great advantage if they looked this up and compared insurance prices. It is always best to approach someone who has experience in paying for insurance policy covers. This way you can avoid the problem of paying too much for something has a standard price tag on it.

Other insurance policies can be to insure the rider only or the bike only. Some people can only afford certain, so you get what you pay for. Be careful if you do opt for the cheaper option as this will mean you will not be covered for anything else. My advice is to go for a fully comprehensive policy, it is by far the most expensive one of all the three policies, however, and you are guaranteed to be at ease should anything go wrong.

Failing to get any insurance will mean the following; a hefty court fine, loss of license, medical fees to pay, paying for damages to the other party (this can all set you back thousands of pounds, which I am guessing you do not want to part with), a ban on the road and maybe even a prison sentence. It is a fact and it is not wise to think it will never happen to you. These things are unpredictable; no matter how careful you are, it is always best to be prepared for the worst.

All bike insurance, unfortunately, will charge you more if you are an inexperienced rider. Those who have been on the road for many more years than you will be quoted something a lot cheaper. This is a normal thing for everyone looking for cheap insurance, as there are more risks of damages, incidences and accidents with an inexperienced and new rider. Statistically there are more claims from those who have only just gained their motorbike license.

There are different types of insurance policies, which make a difference to your entitlements after an incident. The first of these is a third party insurance policy, which covers the policyholder from third party damages. This does not however, cover for your own bikes damages, so even though it is much cheaper it will mean that you will need to find a way of paying for your own costs of damages and medical expenses. This also includes if your bike is caught on fire or stolen.

In the instance that your bike is set on fire or stolen, the third party theft and fire bike insurance will cover for all of the above including theft and fire to your own bike. This is a popular option for most first time bikers if they are looking for something cheap.

These days there are cheaper insurance covers, with lots of deals to be found, however, it is a question of getting to apply for it first. Always consult with an independent insurance broker; they will point you to the right direction if you are finding it difficult to make a decision.

Another more expensive type of bike insurance is the comprehensive insurance policy will cover for all of the above and damages to your bike, with the added benefit for covering for any medical expenses. This is the most expensive and yet the best insurance to opt for, as this will guarantee you that there will be no problems and all costs will be covered. Your money will be well spent as the main purpose of concern is not your finances, but your safety.

There are certain things to avoid such as sneaky cancellation fees that you may not know about. If this is not in the contract, you should enquire about it. Interest charges may be more than most bank credit cards so always check this before you start paying. Avoid paying legal expenses in advance, as this can be offered free of charge from certain companies.

If you are making modifications to your bike, this may not be covered as there have been additional changes made to it. You will need to let the insurance company know about this, no matter how small the modification may be.