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Remember the Old Adage 'Honesty Is The Best Policy' When Applying For Motorbike Insurance
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This type of activity amounts to fraud and deliberate deception which will not only invalidate an insurance policy it is also an offence for which you could find yourself charged with, leaving you with driving convictions which make the cost of your insurance soar in the future.
It is not only car drivers who are telling lies when completing online insurance quotes, bikers are also guilty of saying that their machine is kept in a locked garage or shed in an attempt to lower insurance premiums. However, insurance investigators are finding that this is untrue in many cases as there simply isn't the room to store a bike into tightly packed sheds and garages or people simply don't have a garage or a shed in which to store their machine!
Whilst the cost of motoring continues to rise making the choice to tell lies is not an option which is taken lightly by insurance companies. Rather than fabricating the truth in an attempt to lower the premiums costs money experts are advising to take the legal route and be open and honest with insurers at all times.
Another way people are attempting to keep both bike and car insurance costs low for youngsters is to have them added to policies of experienced drivers or riders. Whilst having named drivers on insurance policies is par for the course, having a young person added when they are not the main vehicle user is commonly referred to as 'fronting'. Should the insurance company find out the policies will, in most cases, become invalid?
Tactics such as telling insurers untruths about the number of miles driven are also used to reduce costs. Many insurance companies are keeping a careful eye on those who only say they are driving low an annual mileage and whilst it may be true for many people, those who drive excessively over the limited mileage allowance may find that they too are invalidating their insurance cover either intentionally or unintentionally.
Resorting to fabrications of the truth really isn't necessary if consumers are savvy and shop around. Challenge insurance companies if their quotes appear excessively high and only pay for the aspects offered which are beneficial to you. Of course, insurers will try to sell you different add-ons and optional extras but by being careful about what you actually need and refusing optional extras which are of little use may be a great way of saving you money.
Remember to tell insurers of all legitimate security devices you have fitted to your bike, opting for approved brands and makes will be taken more seriously than your own inventions! Therefore check which approved makes will provide you with the best discounts before popping off to buy one or spend time devising your own as any which are not on the approved lists will not save you any money on your motorbike insurance.
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