This article goes into some of the things you need to know about scooter insurance.
Tip #1: Insurance Category
You need to know which category your scooter insurance falls into. If you own a mopped vehicle, you need a moped license. For light motorcycles, you’ll fit into category A1, and for the standard motorbike, you would need a category a license. Knowing the right category is important so you can get a brief idea of what to expect in terms of the premium payment you need to pay.
Tip #2: Policy Terms
Different insurance plans had different policy that governs the type of coverage. The plans that provide comprehensive coverage would cost considerably more than the one without extensive coverage. Make sure you read the terms thoroughly before you agree to sign up.
Tip #3: Experience
The amount of policy you may would depend on the number of years you have been driving. New drivers with less experience would be subjected to a higher premium than drivers with more experience on the road. This is because insurance companies view new drivers as posing a higher risk of accident and losses to them thus justifying the higher premium payment they demand for the same coverage.
There are different types of coverage you can get when buying scooter insurance. The most important form of coverage is the third party insurance which serves to protect the other party you crashed into during an accident. If you don’t have this type of insurance you would be liable for damages if you are at fault and are sued by the other driver for negligence. There is also the comprehensive coverage which gives you total protection against all types of losses to your scooter. This is the most expensive form of coverage and may not be necessary for those looking for some savings and lower premium in getting scooter insurance.
Tip# 5: Reviews
It is good to read reviews from other and get to know which policy would be right for your conditions and fulfills your need promptly. There are plenty of insurance providers offering coverage for scooters and you would always want to go with the best and the most reliable especially in the speed of assistance to policyholders when making claims.
Tip #6: Extra Coverage
Ask for extra coverage if you need additional protection against theft or damage by fire. With a little extra premium you can enjoy more benefits which would come in handy during times of emergency,
Tip #7: Security
If you can prove to your insurance company that you provides additional security measures to ensure the safety of your bike, you can enjoy lower premiums rates if they are convinced, however as it is so easy for scooters to get stolen, it is imperative that you keep the scooter under lock and key at night or chained to a stationery wall.
Fact #8: Bike Type
The more expensive your bike it, the more those premiums are going to be. If you want to enjoy lower premium rates, then go for a scooter with a smaller engine size. The bigger those engines are, the more expensive it would be and the higher the premiums it would cost you to get it insured
These are just some of the most important facts you should know about scooter insurance. You can decide early on if you want to enjoy a thrilling ride one scooter with a large engine or if you would prefer tog for the economy size engine with much lower premiums. Whatever your choice may be, scooter insurance is an indispensable part of being a scooter owner, it is illegal requirement and there is no way you can get that scooter out on the road without insurance.