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Affordable Yamaha Motorbike Insurance

If you already own, or are thinking of buying, a Yamaha motorcyle you will need insurance. This article can help you chose the best and most cost-effective solution for you.

The History of Yamaha Motorcycles

Yamaha was already famous for manufacturing musical instruments when, in 1955, it started producing motorcycles. At first these were inexpensive and simple bikes but over the years they have grown the business and now produce some of the best cruisers, sports bikes and off-road bikes available. In 1958 they began to sell motorcycles in the USA and are now second only to Honda in the motorbike market.

Riding a Motorcycle can damage your health!

Motorcyclists are more exposed on the roads than car drivers and thirty times more motorcycle riders than car drivers die in accidents. Many more suffer serious injuries. 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.

Insurance News for Yamaha Motorcycle Owners

Yamaha produces many very powerful machines but also have lower end budget bikes or scooters. Insurance companies provide solutions which are specific to the motorcycle model as different models have different levels of risk element attached to it. This is why it is important to go to a broker who understands the difference between the models rather than a company which will only offer a generic ‘blanket’ policy to cover all motorcycles.

Yamaha motorbikes are very popular and have a loyal fan base. Unfortunately, this makes Yamaha bikes more attractive to thieves, who know there is a ready market for their ripped-off machines.

Ways of Reducing your Motorcycle Insurance Premium

A bike with a lower engine specification will be cheaper to insure. Even a slight difference in engine specifications can make the insurance policy cheaper or more expensive so, if you have not yet bought your bike, take this into consideration when shopping. There is little point in owning a top-of-the-range motorbike leviathan if you can’t take it out of the garage because the insurance premiums are too expensive.

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.

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 favourably by the insurer and will result in a lower premium.

Your age and driving record will be taken into account when applying for insurance. Insurance for new drivers, or those without any no claims discount, will be higher.

It makes sense for the customers to be a part of a motorcycle association. Insurance companies often provide discounted insurance to the members of these associations because they tend to have a large member base, who can recommend policies to each other, and they focus on training and improving the driving skills of their members, making them more secure on the roads and less likely to claim.

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. For example, some states don’t 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. Wearing a helmet is a basic safety issue for bike riders and you are liable to suffer far more serious injuries if you crash not wearing one.

Yamaha produce some fantastic machines and being the proud owner of one 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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