If you are making a claim and have comprehensive coverage most companies claim to settle the claim within 5-7 days. This may not seem important at this point, but if an accident should oocur the speed in which a claim is processed can make a big difference to your life. Consider how you would get to work etc, during this period?
If you are involved in an accident and it was proved your motor cycle was unroadworthy your insurance company may decide not to pay out. It is also possible that the police may then want to make criminal charges if neglegence is an option.
Always remember to lock your motorbike, if it's stolen while unlocked your insurance company may invariably refuse your claim. It is also true that by fitting a wheel lock or something similar, you may get a cheaper quote. Check to see what anti theft devices may reduce your premiums. It may be very cost effective in the long term.
Normall you cannot build up any No Claims Bonus by being a named rider on someone else's policy. However there are car insurance polices where this now may be possible. Check to see if these benefits are yet to be applied to the motorcyle insurance market.
Many comprehensive insurance policies cover items like motorbike or breakdown cover. These raise the premiums, so only get them on your policy if you really need them.
