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| *Vultures Knob>>>Bike Insurance |
Riding Bike with NO insurance? |
Im 17 year old, gonna buy an Aprilia 125cc.. I checked out the insurance companies and they gave me a quote of 1862 pounds! Im a full-time student and how the hell im gonna earn that much for the insurance? (no 1 in my family drives) My question: What if I ride my bike around without insurance? I know how to drive and I got my CBT.. Is there any chances that i can get cought by police? (even if i drive like a professional).. as far as i know, police dont check on bikes that much.. ______________________________... If driving without insurance is not recomended, how can i bring my quote cheaper? Can i lie to the insurance company about where im gonna keep my bike? I dont have a garage, but say if i tell them that im gonna keep my bike in my mate's garage or sumthing.. I just need insurance to show the police that im legit/legal.. not for any kind of accident or sumthing like that.. If you ride without insurance and you either get randomly stopped or are involved in an accident you will be in instant trouble,,you will either have to pay for any damage out of your pocket or end up in court,,,,,with a fine,and it wont be cheap...remember that insurance is for yours and others financial protection,you never know you may knock over a child.....Then how are you giong to explain that to the parents? tell them it's LIABILITY ONLY, that'll significantly reduce your payments...like by 90%...(I live in the states though, it may be different where you are) You don't want full coverage - and I'm sure that's what you've been quoted. The downside is: if your bike is stolen...you lose all your money...no filing if you don't have comprehensie insurance..you just lose your transportation. Riding a bike without insurance is dangerous and illegal...and not advisable at all 12 years and 200,000 plus miles on my 2 bikes. ridin without insurance is stupid !!!!!!!!!!!!!!!!!!!! try some of the brokers that might insure on a monthly basis or get a less desirable bike dont lie if you crash and they find out you will be uninsured try 3rd party only if your bikes nicked its tough but if some tw*at hits you at least you can claim my son has same prob but year on year it will get cheaper if you dont have a clame ride free ride safe and have fun haha.. everyone thinks they are a good driver. What if someone runs a red light and hits you.. then gets an attorney and says you ran the red light! What if in this accident you (god forbid ) flew off your bike and were paralyzed? Do you want your family to struggle with your medical expenses? Now.. thats other driver starts to sue you.. for hundreds of thousands of dollars... who is going to help you in court? You are walking a very dangerous line my friend... i could not imagine someone being so selfish that they HAD to have a bike.. but didnt care enough about others to get insurance for it. I guess when your young you "think you know everything"- sadly- it will probably take a situation like the one above for you to learn. If you can't afford the insurance, don't buy the bike. Riding without is not the way to go and is illegal. Perhaps get a less powerful bike or pay monthly installments for your insurance. BTW Police love pulling young riders. Don't risk it! I understand the temptation. That's why so many people chance it! The fines and punishments are pathetic. However, never ride without insurance. Get the bare minimum if thats all you can afford. But dont chance it. There are ways to reduce the premium in the UK. Best ones are: Brick garage Cat 1 alarm Ground anchor Having a good postcode! Some people lie or exaggerate to get thier premiums down. They feel good then! But very risky. Insurance companies dont like paying out. Not at all........ They will investigate all avenues if it means they can avoid paying you! And they are clever. So simply put, if you wanna sleep at night, and ride with a clear concience, then there's only one way........ Your call........ |
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