Having insurance for your motorcycle or scooter is very important. It is an investment to protect yourself in the case of theft and damage. Insurance also covers damage you may cause in an accident.

Most insurance companies offer at least two types of motorcycle insurance – comprehensive and third party.

Comprehensive will cover your motorcycle, as well as the damage to someone else’s property if you are responsible. Plus, there may be some added extras such as money for towing or lost keys. Third party only covers damage to someone else’s property if you are at fault.

Some things to look for when choosing an insurance policy for your motorcycle:

• Safety apparel coverage
• Optional equipment coverage
• Optional towing and roadside assistance
• Flexible payment plans
• Deductible and coverage limit options
• Premium discounts