A New Scheme For Bikers’ Insurance

by Susan Reynolds

Bikers are becoming more and more of a problem with the law. Trespassing on private properties in order to ride their bikes or scooters is on the rise. They seem to believe that trespassing law do not pertain to them or, perhaps, that other people’s property is not important enough to worry about destroying. Maybe they think that any damage done to someone else’s property will be paid by that party’s insurance. It does not even occur to some bikers that their vehicles are required to be insured as well.

Sergeant Nigel Nevard, an officer of the Kent Police stated “We have spoken to a number of riders coming into North Kent. We are sending them a clear message that we will not tolerate their behavior and will seize their bikes when we catch them.?”

In 2007 an estimated 6.5 percent of motor vehicle owners were evading taxes and insurance.

This lack of coverage was even higher than 9.8% – for so-called “active stock.” These are bikes which are not used on roads but which are liable for tax under the rules. Active stock includes those bikes used mainly for display or shows, but which are brought out on the road when they are ridden to their destination. No other group of road users has a higher rate of non-coverage, a major failing that endangers other road users.

These vehicle owners are avoiding all insurance, including liability, which is a requirement in all states and lack of this or any insurance is a crime. Children are also receiving high powered vehicles as gifts from their parents. These inexpensive vehicles, including power scooters, mini-motorbikes, and quad bikes, can easily travel forty miles an hour. Some of these motor vehicles can exceed 60 miles per hour.

The parents who buy these gifts often think that they are just toys and are not included under the third party cover law. Since 2002, the problem concerning these insured vehicles has risen by an estimated ten-fold increase of sales. These gifts are easier to buy with the expansion of the internet market and can be bought for a very reasonable price.

The arrival of these inexpensive machines with inferior value and not enough attention being paid to adequate safety measures on the part of the merchants has only made the issue that much worse. “The message is clear; if it can be used on the road then it is at risk from other road users and should be insured.” If you don’t get the proper insurance then you are placing yourself endanger of not only losing your bike, but you are also increasing the chances that you acquire a record of criminal activity in the process.

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