Kawasaki Motorbike Insurance

So you’ve past your test, bought yourself a Kawasaki and now it’s time to arrange motorcycle insurance. Where do you start? As with most things these days the internet is a great place to start although your motorcycle test centre may also be able to point you in the direction of a good Kawasaki insurance specialist so it’s worth asking the question. Alternatively, if you have any friend that own motorbikes, you could ask them who they insure their bikes with. This would be particularly relevant if you have friends who are fellow Kawasaki riders.

Identifying the best Kawasaki insurance policy for you is very much like searching for the best car insurance policy. Different insurance companies will offer policies at different prices and with different features. However, whereas with a car insurance policy many of us are tempted to opt for the cheapest policy this may not be the best option with a motorbike insurance policy. Although minor bumps and scrapes do happen, the majority or motorbike accidents cause major cosmetic and/or mechanical damage. With this in mind it is imperative to insure your Kawasaki through a reputable insurer and to make sure that your motorcycle is fully covered against all damage.

If you are a new rider your first two or three years insurance are likely to be quite high because you are seen as high risk, especially as most young riders these days will opt for a 600cc bike or bigger.
There are specialist motorbike insurers for new riders so it’s worth spending some time researching. If you are desperate to keep your Kawasaki insurance as low as possible there are a number of things to avoid which could help

1. Modifications
Avoid bikes with modified exhausts, faring and wheels. Insurance companies see modifications as a signal of intent by the rider that they will look to ride fast and show off. This is a huge ‘no-no’ as far as insurance companies are concerned.  They want to insure careful riders who minimise the chance of a big payout.

2. Imports
The motorcycle import market is much bigger in the UK than the car import market so there are plenty of Japanese, US and Asian imports on the market. Some imported bikes are seen by insurers as high-risk so it may be best to avoid them altogether, for a few years at least.

3. Keeping your bike in plain view overnight
Due to their size motorbikes are relatively easy to steal so it’s important to keep yours garaged or securely covered and locked away every night. If you intend to park your motorbike on the street outside your home every night then this could have a significant impact on your insurance premiums.