For some individuals, riding a motorcycle is simply a part of life. It is either a beloved pastime, part of their occupation, or a primary mode of transportation.
While the risk of riding a motorcycle may lead you to believe that life insurance will be expensive, many insurance providers in the United Kingdom are willing to offer standard terms to motorcycle riders based on their unique situation.
Most insurance policies will pay out should the holder pass away in a motorcycle accident.
Racing Motorcycles as a Pastime
Many individuals participate in motorcycle races as a hobby, and securing life insurance for this type of riding differs from professional motorcycle racers.
Several different factors will influence your decision to find the right insurance company and policy to provide you with life insurance coverage.
Some of these factors include the size of the motorcycle you are using, how often you race, and what type of racing you are doing.
Click To Compare QuotesCircuit and ice racing is considered dangerous, and insurance for these types of races may be more expensive.
Other races, such as motocross and enduro, are less risky, making it possible to find a policy with standard terms depending on other factors.
Riding Motorcycles for an Occupation
Many professions require individuals to use motorcycles. Some of these occupations include motorcycle emergency responders, police officers, and motorcycle racing trainers.
Since this is a standard occupation, these individuals will likely be able to find life insurance with standard, favourable terms.
However, for professional motorcycle racers, like those who race as a hobby, finding favourable terms for life insurance may be more difficult based on the proposed risks.
Riding Motorcycles for Transportation
Some individuals use motorcycles as their main form of transportation.
If you ride motorcycles simply to get from A to B, getting life insurance is relatively straightforward and is usually available through most UK insurance providers with standard terms.
Click To Compare QuotesHowever, some insurance providers will ask you additional questions about the type and size of motorcycle you are using.
Depending on the answers to these questions, you may pay higher premiums based on the additional risk.
Riding motorcycles for sport, as a profession, or just for transportation will not exclude you from being able to secure life insurance.
The knowledgeable staff at Claybrooke will take the time to talk to you about your riding habits and needs and work hard to match you with the best insurance company and policy that will both meet your expectations and fit into your budget.