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Motorcycle Insurance With Points

Motorbike insurance premiums are calculatedAs the severity of the endorsement increases,
on a huge number of different factors and onea driving ban would be awarded and this
of which that can have a great impact isusually applies to careless driving offences,
driving  licence  endorsements.dangerous driving offences, disqualified
driver offences and theft or unauthorised
A motoring conviction might influence ataking  offences.
motorbike insurance underwriter in his or her
assessment of the risk and calculation of theDrink driving convictions are taken very
final bike insurance premium. Taking penaltyseriously by insurers. Convicted riders
points or driving bans into considerationreturning to the roads may face difficulty in
depends on when the conviction occurred, theobtaining bike insurance and will certainly
frequency with which they occurred, if therehave to pay far higher premiums than before
is more than once offence and the severity oftheir conviction. These higher premiums can
the  offence.well  last  for  a  number  of  years.
Insurers know that there is a connectionApart from the one off major convictions that
between the number of speeding convictions awill result in an immediate ban, there is
person may have and their likelihood ofalso a totting up provision where a rider can
making an insurance claim, so riders withbe disqualified if he/she accumulates twelve
speeding convictions are likely to facepenalty points within a three year period.
higher premiums until their driving recordUltimately, a rider who accumulates four
improves.minor speeding offences over three years will
face a similar increased motorbike insurance
Generally insurers categorise motoringpremium as that of a convicted dangerous or
convictions into four sections and a speedingdrink  driver.
endorsement would be seen as a minor
conviction. Other such minor convictions canWith increasing use of speed cameras and
range from not ensuring good maintenance ofstricter penalties enforced by the courts
your motorcycle - a CU30 endorsement would beeven careful drivers risk totting up points
incurred for using a vehicle with defectiveUnder the New Driver Act, if a person has
tyres, to gaining points for driving withoutpassed their motorcycle or car test on or
wearing spectacles - a MS70 endorsement wouldafter 1st June 1997 and incur six or more
be incurred for driving with uncorrectedpenalty points within the first two years of
defective eyesight. Even though thesepassing the first test, their driving licence
offences are of the minor nature, youris automatically revoked. This includes any
motorcycle insurance would still generallypenalty points you had prior to the test
increase.which are still valid. To obtain a new
licence, you would have to re sit a test as a
Motoring convictions are material facts thatlearner driver. This type of driving
must always be disclosed at the time of adisqualification would also have an impact on
motorbike insurance quotation and relate to ayour  bike  insurance  premium.
moral hazard. A moral hazard applies to
insurance as they relate either to theIn summary, more than two million motorists'
insurance history of the policyholder or todriving licences will be endorsed with
his  personal  history  or  attitude.penalty points over the next twelve months.
Should it be their first minor offence,
Failing to stop and give particulars after anInsurers will probably be quite lenient,
accident, an AC10, driving without due carehowever as they increase in numbers and
and attention, a CD10, or using a vehicleseverity, the insurers will definitely apply
which is uninsured, an IN10, are all deemeda loading thus ensuring higher motorbike
to be highly rated as a moral hazard butinsurance  premiums  for  you.
generally would only incur points on a
singular  basis  rather  than  a  ban.Avoid all motoring convictions and get
cheaper bike insurance.



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