Motorcycle Equipment and Insurance Budgeting
Don’t forget, buying a motorcycle or scooter is only one part of the picture when it comes to setting your budget. There are a few other things that you should take into consideration, like:
Insurance and security
It would be a real shame and would break your heart to lose your bike soon after buying it so don't ignore security. Installing alarms, locks and security marking systems not only deter thieves but also help reduce your insurance premium.
How much should you spend on security though? Well a rule of thumb here, is that you should spend the same amount on security as you would on your insurance policy excess.
Tracker devices can be a good thing to have especially if your bike is expensive or you could opt for an sms text alert service to notify you if your bike is moving - both normally come with an annual fee. One thing you should definately do is mark your bike. The industry has recently launched the MASTER scheme backed by many major brands to help combat theft and the scheme is centred around security marking which the Met Police say is the most effective way to put a potential thief off. You can buy Datatag kits (the supplier to the MASTER scheme) for your scooter or bike for around £90 and theres no annual fee.
Helmet and safety equipment
Helmet – Obviously this is a legal requirement, but it’s also vital that the helmet you choose fits properly. A helmet that’s loose on your head is no help to you at all. Your local dealer is the right guy to help you with this as it's very important to get this one right.
Gloves and Boots – Decent leather palmed gloves and over the ankle boots can prevent some injuries, so it’s advised you get both. Designs are available for even the hottest of weather – so there’s no excuse to ride without them.
Jacket and Trousers – Traditionally, leather has been the choice of most riders, but these days the advances in textiles and man made fibres means that you have a very wide choice to choose from, even specialist jeans. Modern suits are not only light weight but many are also breathable and waterproof - making them a great choice for leisure riding or commuting. Look out for labels such as Cordura and Gore-Tex to guarantee quality. Make sure your gear has CE approved armour in the risk areas, like your knees, elbows, shoulders and hips. Finally a very important thing to do when buying riding gear is to try it out when sitting on a bike - remember, what feels and looks good while walking around the show room might not be as comfortable when seated on a bike.
The full monty
All the above can add up and should be considered when buying a bike. But finance is available if needed.
We hope this has helped answer some of the questions you had floating around in your mind.
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