What is female bike insurance?

Female bike insurance is one of a range of specialised lines of insurance that may prove to be advantageous in certain situations:

  • female bike insurance may offer policies that have been specially constructed around the realisation that women may be statistically less likely to have road traffic accidents than men;
  • you may also find other examples, including things such as convicted biker insurance – this provides cover for motorcyclists with penalty points on their licence and its primary objective may be to reduce the financial impact on your premium that such points may bring;
  • of course, providing cheap motorcycle insurance is not the only objective of such specialist lines, for example, multi-bike insurance policies may bring with them cost advantages to bikers who own several machines but they may also provide significant convenience advantages by allowing a single point of contact for all insurance issues relating to the collection;
  • classic bike cover may be another such example – if you have a machine that meets the insurance provider’s definition of a classic motorcycle (e.g. manufactured before 1990 etc) then you may be able to obtain a more cost-effective solution, as such providers may realise that you may be unlikely to be using your bike as extensively as you would a more modern machine;
  • if you are a motorcyclist at either end of the classic age range (say sixteen or seventy plus) then you may find it tricky to obtain motorcycle insurance through some providers but fortunately, some others may offer what they call older/younger motorcycle cover;
  • sometimes people riding scooters or mopeds may be overlooked by some providers but in fact, they are motorcyclists like any other – that is why those insurance providers who are able to offer scooter/moped cover may be interesting to people in those categories (for example, such policies may take cognisance of the fact that such riders may be unlikely to be doing excessively high speeds);
  • if you find that you are paying exceptionally high insurance premiums (perhaps over £1000 per annum) you may be interested in the fact that there may be special high premium policies available from some companies, who will do what they can to try and ease the financial burden on your pocket;
  • so, female bike insurance is only a single example of specialised lines of cover and they may be worth investigating further if you are looking for all the help you can get with your motorcycle insurance.