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    o have known that not all bikers deserve this reputation. Using a more up-to-date and less biased calculation, Harnacks make sure low-risk policyholders no longer subsidise high-risk individuals!

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    Everyone wants the best insurance premium! So how do you go about getting it? Because motorcycle insurance has always been a high-risk, premiums are calculated differently to that of a car. Knowing these factors can help you customise your insurance.

    Lets take a look at a few of the factors that influence your premiums...

    The Age of the Rider!

    How long the owner has operated a motorbike is a major factor! First-time bikers will be charged higher premiums despite their age. To save money on coverage, it is advisable to take a motorcycle driving class through a legitimate track school. Find out more though your local bike shops!

    The Perception of Bikers

    In the past bikers were perceived with a negative attitude! This view still persists, especially with larger companies who do not specialise in motorcycle insurance. In South Africa, thankfully there are companies like Harnacks Insurance who have known that not all bikers deserve this reputation. Using a more up-to-date and less biased calculation, Harnacks make sure low-risk policyholders no longer subsidise high-risk individuals!

    Low-Risk Policy Holders

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    e your insurance.

    Lets take a look at a few of the factors that influence your premiums...

    The Age of the Rider!

    How long the owner has operated a motorbike is a major factor! First-time bikers will be charged higher premiums despite their age. To save money on coverage, it is advisable to take a motorcycle driving class through a legitimate track school. Find out more though your local bike shops!

    The Perception of Bikers

    In the past bikers were perceived with a negative attitude! This view still persists, especially with larger companies who do not specialise in motorcycle insurance. In South Africa, thankfully there are companies like Harnacks Insurance who have known that not all bikers deserve this reputation. Using a more up-to-date and less biased calculation, Harnacks make sure low-risk policyholders no longer subsidise high-risk individuals!

    Low-Risk Policy Holders

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    her premiums despite their age. To save money on coverage, it is advisable to take a motorcycle driving class through a legitimate track school. Find out more though your local bike shops!

    The Perception of Bikers

    In the past bikers were perceived with a negative attitude! This view still persists, especially with larger companies who do not specialise in motorcycle insurance. In South Africa, thankfully there are companies like Harnacks Insurance who have known that not all bikers deserve this reputation. Using a more up-to-date and less biased calculation, Harnacks make sure low-risk policyholders no longer subsidise high-risk individuals!

    Low-Risk Policy Holders

    R

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    past bikers were perceived with a negative attitude! This view still persists, especially with larger companies who do not specialise in motorcycle insurance. In South Africa, thankfully there are companies like Harnacks Insurance who have known that not all bikers deserve this reputation. Using a more up-to-date and less biased calculation, Harnacks make sure low-risk policyholders no longer subsidise high-risk individuals!

    Low-Risk Policy Holders

    R

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    o have known that not all bikers deserve this reputation. Using a more up-to-date and less biased calculation, Harnacks make sure low-risk policyholders no longer subsidise high-risk individuals!

    Low-Risk Policy Holders

    Riders who prove to be competent, receive the best premiums. Obviously age is one factor to consider. If you’ve been biking for 20 years, let your insurer know. If you’ve got an excellent history without accident or have never made a claim, again let your insurer know you’re a credible rider.

    However, if you are older, although inexperienced, or younger with much experience, this will also play a role in determining your premium. Talk to an insurance company who offers a personalised service and they’ll evaluate your individual circumstances.

    Also, riders who use their motorcycles for recreation, as opposed to regular commuting, will have a lower premium. The frequency of use therefore determines your level of risk.

    High-Risk Individuals

    Another factor is the size of your bike and its cost. Expect to pay more for a Kawasaki ZX14, 1400cc than you’d pay for a Honda Super Four, 400cc.

    If you r

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