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A Complete Guide to Student Motorcycle Insurance

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For many, college is one of the most exciting periods of one’s life. Constantly meeting new people, encountering new ways of thinking, perhaps moving to a new city or even country. The pace of life during this period is famous for being fast, dynamic, and action-packed. With this in mind, it’s no surprise that when it comes time to review options for personal transport that many students are drawn to the idea of purchasing a motorcycle.

Motorcycles are famous for their speed, agility, and style, and can make the perfect companion for a student’s college years. But, like with any big purchasing decision, there’s plenty to consider before handing over any cheque. When it comes to owning a motorcycle, there are many pros and cons to consider. One of the main points worthy of consideration in the process and cost of obtaining motorcycle insurance - something that most students will be dealing with for the first time. To help with such an important step in the motorcycle buying process, we’ve put together a quick and helpful guide to thinking over purchasing a motorcycle and obtaining the best student insurance for your college years!  A Complete Guide to Student Motorcycle Insurance

Prepping for the purchase 

While the specific cost of motorcycle insurance will always vary according to the specifications of the driver and vehicle involved, as well as the legislation of the state in which they’re registering, all insurance comes with a price tag. Many students wondering how much is motorcycle insurance will first have to address their finances before deciding what kind of insurance policy to take out.

Some students may fear that with all the homework and assignments, their busy college schedules may prevent them from working or saving enough to afford the cost of owning a bike. But, if prepared for in advance, it’s more than possible to put aside adequate funds without any detriment to your studies. Using online services that offer assignment help is a great way to uphold high standards of academic work while freeing up time to help work or save. To make use of these time-saving measures, you can get help from Edubirdie and cut down on the hours you spend at the writing desk. Balancing the time you spend doing assignments and working means that you can comfortably ride to class on the back of your dream bike with peace of mind! 

Pros of owning a motorcycle 

-        Price: Motorcycles can thankfully be bought at very inexpensive price points, and generally don’t cost that much to upkeep. Buying second hand or refurbished models can drive costs down even further, far below the price tag that one would find if searching to buy a car. What’s more, bikes tend to squeeze out a much more efficient mileage than other types of vehicles, up to 60mpg for smaller models!

-        Dynamism: Bikes are, of course, much smaller and more agile than a car, making them a great choice for university students who have to navigate the often narrow streets of college towns in the UK. The nightmare of searching and often paying for parking becomes a thing of the past with a motorcycle, as their small frames mean you can park almost anywhere.

-        Lifespan: Owing to their low cost, buying a cheap second-hand motorcycle can be an investment for your student years that doesn’t need to drag on afterwards. Many students opt to spend relatively little on a starter bike for their student years and then decide afterwards whether or not to upgrade. 

Bike insurance requirements 

Before considering motorcycle insurance costs, it’s important to research what the specific requirements your area may impose when it comes to being insured. Most places will require drivers to purchase liability insurance, which is used to pay out damage or injury costs that may be inflicted on other drivers and vehicles.

On top of basic liability insurance, some places will also require drivers to have certain insurance additions that cover third party damage or medical expenses. As this varies greatly from place to place, it’s important to get to grips with the requirements specific to your local legislation.

Types of insurance 

Most insurance companies will offer drivers the chance to tailor-make their insurance policy to their specific needs. Driving insurance often refers to the basic liability coverage that pays out any damage a driver incurs on others, and collision insurance - meaning coverage for damage incurred as part of a road accident.

Comprehensive insurance is a broader policy that also offers coverage for damages or losses as incurred off the road or through any means other than hitting another vehicle, such as damage, theft, or animal collision.

Students looking for cheap motorcycle insurance may be tempted to go for the bare minimum coverage required, but this can be a risky choice in case of major damages or medical costs. Use insurance comparison sites and ask for student quotes to see if companies offer more expansive coverage within your price range. 

Tip: Student discounts! 

Many insurance companies will offer specially tailored policy plans to students that come at a discounted price.

Keeping all this in mind, you can begin your research into buying your student motorcycle and the right insurance for you. In no time, you too can safely enjoy the thrill of riding up to class in full-throttle style! 

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