The Advantage Of Insuring The Bike Separately From The Biker In Motorbike Insurance

Besides the standard motorbike insurance types that are called 'comprehensive', 'third party' and 'third party + fire+theft,' you may also get insurance coverage either for the driver of the bike alone or for the motorbike alone.

Insuring the bike rider with a separate motorbike insurance

As you may have already intuited, insurance that covers the driver of the motorbike separately is answerable for personal injury, loss or fatality whenever he is driving any motorbike at all. This is much unlike the usual motorbike insurance policies which are liable only if the driver is riding on the insured vehicle. This type of insurance is a more comprehensive way of protecting the person himself.

Instead of purchasing a policy that covers the rider on a situational basis, driver specific motorbike insurance policies are effective whenever that person is on the road. This is especially recommendable for people who make claims against their policies upwards of 4 times a year. Whosoever's bike he is riding, he is covered. That fact also makes this type of motorbike insurance policy conducive for people who frequently go on trips abroad, and who rent motorcycles in the place they are touring.

Insuring the motorbike on its own

On the opposite end, there are motorbike insurance policies which are attached to or 'owned by' the bike itself. In this case, whenever the bike is in use, it is covered - not necessarily the person riding it. There are a number of ways that this type of coverage can be useful. The first is if you are running a motorbike rental outfit. Secondly, if the unit you have at home is used by nearly all the boys - and then some - in the family.

There is another scenario where a motorbike insurance plan that is made for the bike is recommendable. And that is if you happened to have an Icon Sheen or a Dodge Tomahawk Superbike. These models cost upwards of $200,000. Insuring these machines separately will be a must considering the cost that could be incurred for repairing or replacing the vehicle.

For the complete safety of rider and motorbike

Insuring both rider and motorbike separately is the best way to make sure they are always covered by funding; in the driver's case, whosoever's bike he is riding; in the motorbike's case, whoever is driving it.

The specific details of these types of motorbike insurance may differ from company to company. If you are interested in the practicality of this scheme, you should drop in at a motorbike insurance website to make initial inquiries.