Like with other vehicles, coverage on your motorbike essentially breaks down into three areas: Comprehensive, Liability, and Optional Coverages. No matter who the insurer, you'll want to make sure that you have some of each. What are the differences?
Firstly, collision coverage covers damage to your bike when it hits, or is hit by another vehicle, or other object. It will usually pay to fix your vehicle. Often, with collision, deductibles are available that reduce the cost of the coverage; the higher the deductible the lower your premium. For older bikes, depending on what country you are in, you may be able to drop this coverage, since coverage is normally limited to the cash value of your bike. Coverage will vary by the terms and conditions contained in the policy, so it pays to read the fine print closely before buying. Some collision policies offer comprehensive accident recovery, and also new motorcycle replacements up to a specified amount, so shop around for the best deal.

Secondly, liability coverage covers other's bodily injuries, or even deaths, for which you are responsible. Liability covers injury to people, not to your motorbike. It is a very good idea to have the maximum liability which you can buy. Generally, liability does not cover you or other people on your policy, although in the case of some motorcycle policies this may not be the case. In the event of an accident, you will want to also have medical insurance coverage for yourself and other riders/drivers on your policy. Buy enough liability to cover a judgement against you in the event of a lawsuit. Bodily injury claims by injured parties cover everything from medical bills to loss of income, so it is best to be prepared for the worst.

Lastly, optional coverage in the UK include items like a European breakdown coverage, extended legal services and advice, and an extended foreign use coverage. Optional coverage vary widely throughout the industry, so if you think you might need an optional cover, shop for it.

If you have any doubts as to what you are covered for currently, what is covered should be in your policy, so check out your certificate, policy schedule and policy booklet for that information. If the company issues you an insurance card, the basics should be printed there.

About the Author

Hollie Wilcox is writing on behalf of http://www.carolenash.com to provide you with the latest information on covering your motorbike.