Monday, 12 October 2015

How to convince your Parents to let you ride a motorcycle
















You’ve seen bikers riding motorbikes around town. They look like so much fun! Maybe your friends ride and you want to. There is just one thing standing in your way… your Parents.
Maybe it’s your parents who don’t want you to get a motorcycle as your first vehicle.
















Acknowledge how dangerous motorcycles are chances are the number one argument they have for not wanting you to ride is because they are so dangerous. The thing is, they are correct. According to the US National Highway and Safety Administrations data from 2012, “Per vehicle mile traveled, motorcyclists were more than 26 times more likely than passenger car occupants to die in a traffic crash.”

Motorcycles are just more dangerous. On a motorcycle you aren’t surrounded by airbags, crumple zones, and safety restraints like you are when you ride in a car. However, if you dive a bit deeper into the data some interesting things pop up. There are great ways to increase your survivability and drastically lower your chance of getting into a motorcycle accident.
Action step: Don’t drink and ride!
“In fatal motorcycle crashes in 2012, 27% of the motorcycle riders had a blood-alcohol concentration (BAC’s) of .08 grams per deciliter or higher.”

“43% of the 2,030 motorcycle riders who died in single-vehicle crashes in 2012 had BACs of .08 g/dL or higher.”
Let’s break that down. It means that drinking any alcohol before you ride dramatically increases your likelihood of dying by crashing into another vehicle, or just crashing by by yourself on a curvy road.

What you can do: Never drink and ride! I have a rule if I have even one drink I don’t get on a motorcycle. The risks aren’t worth it.
Action step: Training & licensing
“24% percent of motorcycle riders involved in fatal crashes in 2012 were riding their vehicles without valid motorcycle licenses at the time of the collisions”
If you don’t have a valid driver's license, chances are you don’t have very good training (or maybe no training at all!). It’s been shown that if you are trained by family and friends you are much more likely to be in an accident.

What you can do: Get REAL training from professional riders. A great training class is the Motorcycle Safety Foundation’s basic rider course. There are local motorcycle training courses in many areas that don’t offer the MSF Basic course, such as the STAR course in Idaho.

Action step: Engine size
“45% of motorcycle riders were killed in motor vehicle traffic crashes while riding motorcycles with engine sizes of 1,001 cubic centimeters (cc) or higher in 2012”
That data point is in stark contrast to bikes 500cc’s or less that come in with only 6% of the motorcycle related fatalities. It makes sense, a larger bike can go faster and get you into trouble with just a flick of the wrist. A smaller bike is easier to maneuver and keep under control even if the rider makes a mistake.

That doesn’t meant that all ‘big’ bikes are death traps, they can actually be a lot of fun. By starting out on a smaller motorcycle you give yourself a great foundation of riding skills that can transfer to a higher CC motorcycle when you are ready.

What you can do: Buy a bike that is 500cc’s or less such as the CBR 500, the Ninja 300, or even the TW200. Especially if this is your first motorcycle!
Action step: Safety gear
“NHTSA estimates that helmets saved the lives of 1,699 motorcyclists in 2012. If all
motorcyclists had worn helmets, an additional 781 lives could have been saved.”

“Helmets are estimated to be 37% effective in preventing fatal injuries to motorcycle riders”

“In States without universal helmet laws, 62% of motorcyclists killed in 2012 were not wearing helmets, as compared to 9% in States with universal helmet laws”
Wow, the data really speaks for itself. Wearing a helmet drastically increases your survivability if you get in a motorcycle accident. I live in a state without universal helmet laws and I would say half the riders I see around town aren’t wearing any sort of helmet. That really freaks me out!

What you can do: Wear a full face helmet every time you ride.
“But what about the kids!?”An argument I’ve seen significant others use to prevent their partner from riding is children. If one of you were to die, it would really impact that child emotionally and financially. They might also say that riding a motorcycle sets a bad example of taking unnecessary risks.
we would say that if you don’t do something you really enjoy because of fear, that is a horrible lesson to teach your children.

A much stronger lesson would be that if there is something you REALLY want to do, take all the steps necessary to make it as safe as possible. Do your diligent research and take the proper training courses and start on the right motorcycle for you.

Everything in life is dangerous. Driving in a car is dangerous (I’ve known people who have died in car accidents, I’m sure you have too), participating in sports is dangerous (I’ve known people who have suffered serious injuries because of sports), the modern American diet is dangerous (don’t get me started on heart disease and cancer related to what we choose to put in our bodies!).

The point is, living life is generally a pretty dangerous activity. You are going to die some day. Not only will you die, but so will every single person you know. Every family member, friend, celebrity, politician, and saint. We all die. We all know this, but we choose to ignore it.

Sometimes by getting caught up in trying to live as long a life as possible, we can forget what it really means to live. It’s a bit of a cliche, but I love this quote:

“A ship is safe in harbor, but that is not what a ship was built for."

What if they still won’t budge?Some people have such a visceral reaction to motorcycles that there is no amount of logical arguments that can convince them to be comfortable with the idea of you riding. In that case you really have to weigh a few different things. What is your relationship with that person and how will riding a motorcycle impact that relationship? Finally, if that person still needs to be in your life if they are so controlling?

Healthy personal relationships do not involve one person controlling another. Not through emotional blackmail, not through financial blackmail, and not through authoritative approaches.

If a person in my life wasn’t comfortable with how I choose to live, then perhaps that person doesn’t need to be in my life anymore. That doesn’t mean to never take outside opinions, but to weigh all the evidence and come to your own conclusions. You are the one living your life, no one else is.

If that person that is against you riding happens to be a parent or significant other, you might examine the options and decide that the amount of happiness you gain from riding a motorcycle won’t outweigh the negative worries that person will experience. Then again, we often times fear things we don’t understand. Maybe that person would change their mind if they went and took the MSF course with you and saw how much thought you were putting into safety. If they aren’t willing to put in that effort for your relationship, that speaks volumes about the strength of their emotionally based argument. 

Sunday, 4 October 2015

High Risk Motorcycle Insurance

Although your motoring conviction may have been the result of a careless mistake, unfortunately it is an error which can cost you dear. Motorbike riders with convictions are seen as a high risk by providers. This is why Motorcycle insurance for convicted riders tends to be more expensive than for those without convictions.
When applying for motorcycle insurance, the information you supply allows providers to build up a picture of you and assess how likely you are to put in a claim. This in turn will determine the cost of your policy.
While you may be tempted to omit certain details from your application to keep costs down, it is vital that you are honest. Not only would your insurance be deemed invalid if you had to put in a claim, you could also end up being prosecuted for fraud.
The good news is, however, that after a conviction is spent, it can no longer be taken into account when your premium is being calculated.
Until then, you remain in a high risk bracket. This makes it all the more important for you to take steps to make sure that you are not paying more than you have to and getting the best deal possible for your circumstances.

Shop around
It is important that you don’t just accept the first quote you receive. Shopping around is essential so you are able to view a number of quotes and weigh up the best deal for you. Visiting MoneySupermarket’s dedicated motorbike insurance channel will allow you to do this. This is a particularly important tactic if you are looking for motorcycle insurance for convicted riders, as you are part of a high risk group.
Security
The more secure your bike is, the more confidence your insurer will have that it’s less likely to be stolen.
A garage or drive is ideal, but if you’re bike is likely to be kept out on the road, make sure you invest in a good lock that is Thatcham approved or Sold Secure. Immobilisers and ground anchors will also reassure providers that you are taking every measure to protect your bike.
Mileage
Limiting the amount of mileage you do each year may also bring the cost of your premium down. The less you are out on the road, the less of a risk you pose. Consider how much you will be using your bike in the year and be sure to give your insurer a likely estimate.
Riding courses
Proving that you are a good, responsible rider will reap rewards in the long run with falling premiums. You will be able to build up and protect your no claims bonus. Consider taking an advanced riding course as not only will this improve your standard of riding but it should also help the cost of your premium to drop.
Type of bike
More expensive models of bike are likely to cost more to fix or replace, and bikes with large engines will also be treated with caution by insurers. Less powerful bikes will attract cheaper premiums.

The importance of Motorcycle insurance

Whatever you do, never be tempted to try to dodge motorbike insurance. As well as being illegal, you are putting yourself and others at huge risk.
A recent clampdown on uninsured drivers saw the introduction of new legislation by the government last year. Continuous Insurance Enforcement (CIE) requires that all vehicles – whether on or off the road, must be insured by law.
It is not enough to simply keep a vehicle locked away in a garage. The only exception to this is if you have informed the DVLA that your vehicle is off the road in the form of a Statutory Off Road Notification (SORN).
Failure to do this could result in steep penalties. Not only could you get a fine of up to £1000, you could also get a court prosecution and have your vehicle clamped, seized and disposed of.
However, your premiums do not have to be unaffordable. Take advantage of MoneySupermarket’s money saving tips and get cheaper motorcycle insurance for convicted riders.