Things that come to mind

Things that come to mind

Recently I had a colleague ask me “Do you think those new three wheeled scooters are safer than a traditional two wheeled ones?”

I have noticed these things starting to appear in the city but I have never given them much thought until I was asked. Thinking about it I guess that for the average person who would buy a scooter just to get around through town they do offer certain advantages.  They are of course inherently more stable and offer greater tire contact area and so more grip for cornering, braking and wet weather riding.  I also think that the fact that they have three wheels makes people feel a lot more confident about getting on them, that stability gives them the little bit of reassurance that they might need.  I suppose that for a scooter this is not such a bad thing but what about for a machine like Yamaha’s new Niken?

Seriously the thought of someone buying a machine with 113bhp and brakes good enough to stop an ocean liner because it has three wheels and that reassures them, doesn’t reassure me, and I guess that is the sort of person that it is aimed at.  Of course I might be wrong, maybe they are the next best thing and I am just being an old fuddy duddy, but I don’t think so.  It is also worth remembering that these machines are classed as motorcycles and so if accidents start to happen because of inexperienced or less confident riders on these then our insurance premiums are going to be affected…and I do enough to affect mine on my own, without any outside help, thank you  very much!

On a similar note…

So there you are riding along in a responsible and law abiding manner, (yes it is possible, sometimes) and suddenly a car pulls out on you from a junction.  Luckily you were aware of it and managed to scrub off a fair bit of speed before impact, but your pride and joys front end is pretty much totaled through no fault of your own.   

After filling out all the paperwork and contacting all insurance firms  the payout finally comes through, no problems, it was the other persons fault and their insurance paid out. You get a nice new shiny bike and all is good with the world, except for one thing. When you go to renew your insurance you find up it has gone up...because you were involved in an accident. 

It doesn’t matter if it was your fault or not, most insurance companies will raise your premium just because you were involved, because statistics say if you have one accident you are more likely to be involved in another one. Even if the first was 100% the other person’s fault most insurance companies will increase your insurance afterwards, is it fair? I don’t think so, but it is the way of the world. So what can you do about it?  Well make sure instead of just renewing your insurance with the same company each year shop around and find the best deal for you and ask them the awkward questions such as this one. It is the one thing that you can do to get insurance prices to drop, and it will save you money, so just do it!

Stay safe

Ratso

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