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Affordable Honda Motorbike Insurance

Help and advice on getting the best motorbike insurance if you have a honda bike. There are ways to get affordable insurance that won’t cost the earth.

Riding a motorcycle, even one as cool and safety concious as a Honda, can be a risky business. In this article you will read how to find affordable Honda motorcycle insurance and about steps you can take to minimize the amount you spend on insuring your bike.

The History of Honda

The Honda company’s eponymous founder, Soichiro Honda, started his working life as an apprentice in an automotive garage in Tokyo. By 1937 he was supplying piston-rings to Toyota and after the destruction of the Second World War realized there would be a huge demand for affordable transportation. He started by adding simple two-stroke engines to bicycles and by 1949 was producing genuine motorcycles. By 1968 they had produced 10 million motorcycles and had become one of the world’s principle motorcycle manufacturers.

Ever striving to improve the safety of an inherently dangerous machine, the company produced the first bike with air bag protection in 2007.
Riding a Motorcycle is dangerous.

It is a sad fact that motorcycles riders are more exposed to danger on the roads than car drivers and have a much higher fatality rate. More than thirty times more motorcycle riders than car drivers die in accidents and many more are injured. Of course you could take the attitude that motorcycles are not dangerous: bad drivers are dangerous! This does not change the fact that the roads are full of bad drivers and, as a motorcyclist, you are more vulnerable. Adequate and comprehensive insurance therefore become even more important.

The Good News for Honda Motorcycle Owners

Despite the gloomy news on safety it is a fact that certain brands of motorcycle are accepted as being safer than others and, therefore, cheaper to insure. Honda falls into this category. Honda bikes tend to be less powerful than some of their contemporaries and this equates to being safer, which in turn means that your insurance premium will be lower.

Honda produce a wide range of motorcycles for different activities including Sports Bikes, Off-Road, Touring and Cruisers – all of which will have a different level of insurance attached to them. To get the best deal it is important to go to a broker who has policies for specific Honda models, rather than a generic policy to cover all motorcycles.

Ways of Reducing your Motorcycle Insurance Premium

We have already touched on the fact that a less powerful machine will be cheaper to insure. So if the cost of insurance is a barrier for you and you have not yet made the purchase, look at the range available and chose a model with less power, such as the affordable Honda CBR1100.

Your insurance is intended to cover damage to, or the theft of, your bike and your third-party liability to others but having your own medical insurance may also take the burden away from your insurer with regard to your own injuries, should you be unlucky enough to be hurt.

You can also lower your premiums by investing in security devices such as locks, chains and alarms. Keeping your bike in a secure garage will reduce the cost too.
Trained drivers have far fewer accidents than untrained drivers. Taking an advanced course of bike riding lessons will not only reduce your chances of being in an accident but, in many cases, will be looked upon favorably by the insurer and will result in a lower premium.

The number of years you have been driving will also affect your premium. Your age and driving record will be taken into account. Insurance for new drivers, or those without any no claims discount, will be higher. In the UK Compulsory Basic Training was introduced in 1991 to help reduce the very high accident rate among inexperienced motorcyclists. In the USA the Motorcycle Safety Foundation® is the internationally recognized developer of the comprehensive, research-based, Rider Education and Training System (MSF RETS). Honda is one of the sponsors of this scheme.

The laws on motorcycle insurance do vary from state to state in the USA so be sure to check your requirements carefully and to chose an insurer that understands the requirements in that state. Some states, including Illinois, do not have a law for compulsory helmet wearing but insurance is mandatory with heavy fines up to $1,000 for those caught riding without insurance. Your license will also be suspended.

Owning a great machine from the Honda company can bring years of riding pleasure but that will only be enhanced by knowing that you are fully covered by comprehensive insurance tailored to your particular brand and model of motorcycle.

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