Getting Motorbike Insurance Even After a Conviction
If you have been unlucky enough to get convicted for any motorbike related offence then your nightmare could continue even after the conviction in the form of higher insurance premiums.
However, you will certainly be able to insure your motorbike even after a conviction while also getting a break after a few years if you do not end up breaking the law again.
There are several types of riding offences that could not only mar your riding experience but also compel you to pay fines when you are caught and convicted.
If you are caught for minor offences such as speeding then you might need to pay higher premiums for the next five years, but in case you are convicted of serious offences such as causing an accident or possess a criminal record or get repeated convictions then these will result in increased rates for the next ten years.
However, most insurers are now inclined to go a little easy on first timers that have merely been convicted of speeding since an increase in speed cameras and other technological advances have resulted in a burst of SP30 or speeding convictions even if you have strayed slightly above the legal speed limit.
Thus you are sure to find several insurers ready to forgive your transgression, albeit at a slight increase in insurance rates.
On the other hand, some insuring companies do have strict rules that hike up premiums steeply once you get convicted thus landing you a double punch.
It is of crucial importance that you learn your lesson very quickly and try to cap the number of points accumulating on your driving licence since each new conviction will raise the risk factor and hike up your insurance rates.
Again, if you do continue to ride a heavily modified bike customised with NOX kits or turbo-chargers then you will certainly need to pay more to ride on the road.
Although you can still avail of Third Party cover or Third Party with Fire and Theft, or even Comprehensive Insurance cover for your motorbike, you will still be saddled with additional premium due to your conviction.
You can still compare rates between various insurers that do not mind providing motorbike insurance cover to you.
However, you should make sure to only compare covers with similar features before comparing their rates.
You will still be eligible for discounts on premiums if you have a covered garage, install security gadgets, limit your mileage, drive safely, or do not make any claims.
These discounts will help lower your quotes to a great extent and help you get back in the saddle without paying through your nose.
After all you are just a human that has made a mistake and you would be allowed a chance to work your way back into competitive premiums in due time.
A conviction will be recorded against your driving licence and you might also face some embarrassment after paying your fine.
However, your bike riding days will certainly not be over in case of a minor conviction and you will still be able to easily get motorbike insurance albeit at slightly higher premium rates.
You should go over a few quotes and browse through a few online insurance companies to get the best rates possible to get back on the road again.
However, you will certainly be able to insure your motorbike even after a conviction while also getting a break after a few years if you do not end up breaking the law again.
There are several types of riding offences that could not only mar your riding experience but also compel you to pay fines when you are caught and convicted.
If you are caught for minor offences such as speeding then you might need to pay higher premiums for the next five years, but in case you are convicted of serious offences such as causing an accident or possess a criminal record or get repeated convictions then these will result in increased rates for the next ten years.
However, most insurers are now inclined to go a little easy on first timers that have merely been convicted of speeding since an increase in speed cameras and other technological advances have resulted in a burst of SP30 or speeding convictions even if you have strayed slightly above the legal speed limit.
Thus you are sure to find several insurers ready to forgive your transgression, albeit at a slight increase in insurance rates.
On the other hand, some insuring companies do have strict rules that hike up premiums steeply once you get convicted thus landing you a double punch.
It is of crucial importance that you learn your lesson very quickly and try to cap the number of points accumulating on your driving licence since each new conviction will raise the risk factor and hike up your insurance rates.
Again, if you do continue to ride a heavily modified bike customised with NOX kits or turbo-chargers then you will certainly need to pay more to ride on the road.
Although you can still avail of Third Party cover or Third Party with Fire and Theft, or even Comprehensive Insurance cover for your motorbike, you will still be saddled with additional premium due to your conviction.
You can still compare rates between various insurers that do not mind providing motorbike insurance cover to you.
However, you should make sure to only compare covers with similar features before comparing their rates.
You will still be eligible for discounts on premiums if you have a covered garage, install security gadgets, limit your mileage, drive safely, or do not make any claims.
These discounts will help lower your quotes to a great extent and help you get back in the saddle without paying through your nose.
After all you are just a human that has made a mistake and you would be allowed a chance to work your way back into competitive premiums in due time.
A conviction will be recorded against your driving licence and you might also face some embarrassment after paying your fine.
However, your bike riding days will certainly not be over in case of a minor conviction and you will still be able to easily get motorbike insurance albeit at slightly higher premium rates.
You should go over a few quotes and browse through a few online insurance companies to get the best rates possible to get back on the road again.
