If you ride a motorbike, you must have it insured to protect you against any damage to your bike, or to someone else’s property. With a high crime rate and high road accident count in South Africa, you need to be prepared in case something should happen. There are a number of companies that offer bike insurance, so it is in your interest to compare bike insurance quotes online to ensure that you are getting a good deal. Comparing quotes online is a quick and efficient way of finding the right insurance scheme to keep you covered on the road.
Generally, the more cover you need, the more expensive the insurance cover will be. You need to decide whether you would like cover for accidents, cover for damage to your bike, cover for other people’s property or a more extensive insurance scheme with value-added extras.
Where to look for insurance quotes online
Once you have an idea of the type of coverage and policy you are looking for as well as your budget constraints, you can go online to get insurance quotes for the cover that you need. One way of doing this is to visit the websites of different insurance providers and get a quote from each one using the contact details provided on the company’s website. Insurance providers include OUTsurance, Hollard, and Dial Direct, to name a few.
An easier way of getting a number of quotes at one time is to use an online quote comparer. These websites allow you to enter details about your bike and the coverage you need for it before sourcing a number of quotes from insurance providers. You can then compare these quotes and decide which best suits your budget and your needs.
Some of the websites that will allow you to do this are:
- GetInsurance (http://getinsurance.co.za/) is a website dedicated to provide free advice in getting the best insurance deals for your motorcycle and to help you understand the jargon associated with both long and short term insurance. On the website, you can also compare quotes from major companies and take a look at the different forms of motorcycle insurance policies that are available.
- InsuranceHound.co.za (http://www.insurancehound.co.za) allows you to save both time and money, helping you to compare insurance rates so that you can find cover tailored to your own unique needs. To receive free insurance quotes, you just need to fill out an insurance request from online and various insurance companies will provide you with relevant quotes.
Hints and tips for comparing bike insurance quotes online
- There are many different options when it comes to motorcycle cover. This is why you should look into a variety of policies and providers. Consider whether you need theft or third party insurance.
- Once you have a number of different policy quotes you will be able to compare them and see which one best matches your insurance needs and budget. Be sure to read the fine print to look for any hidden costs that may not be directly obvious on the quote. After you have signed the insurance policy you are bound to the terms of the contract (no matter how small they are typed).
- Check for a high excess fee – one insurance company may seem to offer cheaper insurance than the competition on a monthly basis, but this may only be because there are hefty excess fees if you do make a claim. Low premiums could also mean low coverage, so make sure that the policy contains everything that you need covered.
- Make sure that the insurance provider is reputable by checking up on them online and doing a background check on their past business. Generally, websites that dig up a number of quotes will only do so from reliable insurance companies.
- The amount you will have to pay on your insurance premiums is dependent on a number of factors, so be sure to have this information on hand when you fill out a form for a quote request. Details you may need to know are the make and model of the motorcycle, the mileage, as well as the different levels of danger faced by the motorcycle.