a simple guide to getting it right when buying insurance

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No Claims Discount Expires After 2 Years | Protected No Claims Discount Does Not Protect Your Premium | Manipulating Your Details to Gain a Better Price Could Invalidate Your Policy | You Don't Automatically Get Driving Other Cars With Comprehensive Cover | Should I Send Copies of Documents to My Broker/Insurer? Yes | Each Policy Earns It's Own No Claims Discount, You Can't Use It Twice | Insuring Your Child's Car In Your Name Is Called Fronting And Is Fraud! | Don't Assume Your Company Car No Claims Discount Will Be Accepted By Your New Insurer - Check First! | Counterpart Licences Abolished, You May Still Have To Provide a Code From DVLA to your Underwriters to Check Your Details | Motorbility Policies Do Not Earn a No Claims Discount | Motoring Endorsements Are Declarable For 5 Years
Picture of Motorcycle By Gold Leaf Corporation (Own work) [CC BY-SA 3.0 (http://creativecommons.org/licenses/by-sa/3.0) or GFDL (http://www.gnu.org/copyleft/fdl.html)], via Wikimedia Commons

You are not invincible; no matter how much you pay for your biking gear.  The more you pay, the better your chances are, but to increase your survival rate follow these tips:

Riding Safely

Motorcycles can easily be stolen, just chaining it up won’t stop a prospective thief.  They’ve been known to use a couple of Skate Boards and lift your wheels on then push it merrily off down the street to a waiting van out of sight.  If they can move it, they’ll sort the lock away from prying eyes with all the time they like.

Out and About

If you’re going to chain it up try these ideas:

At Home

Motorcycle Security

Can you stop in time?

Blaming a hesitant driver for you running into their rear is not an excuse, it would be your fault.  You need to leave a sufficient gap (the suggested gap is 2 seconds) to give yourself more time and space to brake safely should you need to perform an emergency stop.

Factors that will affect your braking/stopping distance:

Other factors that will affect your braking/stopping distance (Other than your speed):

Be aware of your surroundings - Hazard Perception

Any new driver will be aware that Hazard Perception now forms part of the Theory test when learning to drive.  This is an online test at a Theory Test centre. You watch fourteen 1 minute clips (19 clips for lorry or bus learners) and need to click the mouse when you see a developing hazard.  All clips apart from one have 1 developing hazard, the other has 2.  You get more points (5 down to 1) the earlier you spot the developing hazard.  There is a maximum of 75 points to be gained and the pass mark is 44/75.

In the real world, there’s so many hazards that you might not realise are there, unless you actually stop and look, but you’re not stopped, you’re in motion. The picture is constantly changing, looking ahead and using your mirrors gives you a better view of what is going on around you.  Don’t just look at the vehicle in front of you, be aware of what is happening further up the road.  Driving on the motorway can put you into a false sense of security as there are no right angle junctions or vehicles heading towards you.  It is thought most drivers only concentrate for 15 minutes of each hour on a motorway! A lot rarely use there mirrors, but you should always check your mirrors so you know what is around you, incase you need to take evasive action you know where you have space to do this.

There is two types of hazard:

What’s around the next corner?

You don’t know, there could be a broken down vehicle, someone edging out of a turning, pedestrians if there’s no pavement, Horseriders, cyclists, elderly people crossing the road. Don’t hug the kerb (this can be difficult on narrow roads, in which case reduce your speed to allow you to time to see what is around the corner as you negotiate it) this will give you a better field of view.  We’re not saying encroach into the other lane, but enough so you might spot something earlier.

Tips for Riding Your Motorcycle Safely and Keeping Your Bike Secure