Motorbike Safety and Tips

Motorbike insurance is a necessary step to ensuring your vehicle is road legal.

There are several forms of cover and measures you can take to make sure you are getting the most out of your premium.

• Third Party Only. This is the minimum legal requirement and could be right for you if the value of your bike is quite low.
• No Claims Discount. Hastings Direct offer a discount for every year you do not claim, saving you money on your premium. You can also protect your No Claims Bonus with us when you have at least 4 years, giving you added security.
• Modifications. You must tell your insurer or broker if you make any changes to your bike. Often this will have no affect on premiums but failing to inform could result in problems should you need to claim.
• Riding Courses. A training course can reduce your premium and improve your riding ability.
• Security. With 35,000 bikes stolen every year in the UK, ensuring your bike is stored in a secure environment is an essential measure.
• Extras. Hastings Direct can offer you optional extras such as personal accident and breakdown cover so you can tailor your cover to suit your needs.
• Mileage. You may be entitled to a discount if your vehicle does less than 3,000 miles a year.
• Garaging. You may also be entitled to a discount if your vehicle is stored in a garage.

Safety

With the rising number of motorbikes on the roads comes an increasing number of accidents. There are many measures drivers can take to avoid accidents and protect themselves in the event of a collision.

• Don't ride if you have been drinking or you are feeling tired. Motorbikes require concentration and can be physically demanding.
• Take an advanced riding course. This will help you to understand the power of your vehicle and could result in an insurance premium discount.
• Take care on bends and be aware of road signs.
• Adjust your riding style. Take into account the weather and the conditions of the road before you set off.
• Don't take unnecessary risks. This includes overtaking when you can't see the road ahead and succumbing to peer pressure.
• Don't carry passengers unless your vehicle is fitted with the appropriate seating and you are an experienced rider.
• Carry out regular, thorough checks on your bike. This includes the frame, chain tension, wear, tyres, oil and fluid levels for brakes, coolant, lights and electrics.
• Wear appropriate protective clothing. A helmet is a legal requirement and an essential measure to protect you from head injury. Boots can also provide protection from foot and ankle injuries and a high visibility jacket and trousers should also be worn in the dark.