My OperaMotorcycle body armor pants Hate Being A Risk, Take these Precautions
Sunday, August 8, 2010 10:00:13 AM
You are stuck in a traffic jam on the way to work. The traffic in front of you is barely moving. You're probably going to be late, when ZOOM! A motorcycle flies by your car, weaving in between lanes while all the other vehicles sit patiently waiting for traffic to move.
Motorcycling is a very dangerous form of transportation, and it's made even more dangerous when reckless drivers like the person on the bike in the above scenario. Motor bikes travel at very high speeds with little protection for the driver. The driver puts himself in extreme danger when he takes for granted the power and speed of his or her bike.
But for most motorcycle drivers, a bike is a respected and safe way to commute for work or enjoy a ride on a sunny weekend afternoon. People who drive their motor bike without regard to anybody else are the bad apple in the bunch.
Insurance companies break down each motorcycle driver on a case-by-case basis. It would be easy to point the finger at all drivers and label them reckless and risk takers. However, insurance companies are inclined to sit down and cut costs on the premium in any way possible.
Some riders look to pass the test and receive their licenses and consequently are on the road wrecking havoc. But this is a guaranteed way to have a high premium. Touting experience when it comes to motorcycle riding is extremely important in the eyes of the insurance industry.
Take an approved motorcycle training course. These courses are designed to teach safety and the proper ways to handle your bike. The courses are not only benefitted to the driver, but also go a long way in showing the insurance company you plan on driving safe and know what you are doing.
Brokers will also analyze a motorcycle's past driving record. If there is a pattern of speeding tickets, reckless driving, or accidents ? the company will be quick to pull the trigger. In fact, they might not even offer a quote. Nothing speaks louder than a clean past driving record. Brokers will reward that as well.
Also, insurance brokers generally insist that drivers install a tracking device to their ride, because motorcycles are very easy to steal. The premiums will stay higher in this category than cars, however installing a tracking device can go a long way to reassuring the insurance company.
So you see motorcycle insurance falls under two categories. Either you pay expensive premiums for your reckless or "high risk" past ways, or you save a lot of money and prove to the insurance agency that you will do everything possible to stay out of harms way.
Graham McKenzie is the content Syndication Manager at insurance123.co.zaSouth Africa's leading Motorcycle Insurance information portalmotorcycle body armor pants: body armor sizing
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