Do you own more than one bike? Perhaps you ride one bike to work and save the other for weekend Dundas or you have one for your kids and the other one for your Bodaboda business. If this is the case, you could save money by covering both machines under a single multi bike policy. Most insurance firms provide this option.

Unlike a multi car policy in Kenya, it only covers you, the main rider – and only allows for one bike to be on the road at any given time. That’s why the cost of cover is usually cheaper, and it’ll be easier for you to manage too.

The insurance firm will group all motorbikes in terms of their power and value. If you’ve got a bike in a lower group, then under a multi bike policy, it could balance out the cost of cover for a higher group bike.

Bima Mtaani gives you quality advice on making your insurance decisions. Bike insurance charges varies from one company to the other.

It’s impossible to say how much your bike insurance will cost, as it depends on a wide range of factors. These include everything;

• Your age
• Your riding record
• What you use your bike for e.g. Personal use or Bodaboda
• Where you live.
• The type of bike you ride. The more powerful your machine, the higher the risk of accidents – and insurers balance out this risk by charging higher premiums. So, you might find insurance for a normal Bodaboda boxer is far cheaper than for super-quick sport bike. Classic bikes usually cost more to insure than newer models too, especially if they’re rare, because parts will be more expensive to get hold of.

Bike claims are the easiest to claim. Bima Mtaani will give you a simple way to claim for your bike insurance. If you’ve been involved in an accident or had your bike stolen and need to make a claim, you should find all the details you need in your insurance documents sent over to you by your insurance when you took out cover.

If you never received the policy document or do not have any documentation on the same, we at Bima mtaani can assist you on way forward. You will simply be required to mention your insurance company. We will guide you at no cost.

It is important to note that most insurance companies will require that once you are involved in an Accident;

• You should Call police to the site who will aid in obtaining a police abstract
• You are required to report the happening of the accident immediately to the insurance company and wait for feedback from your insurance
• some companies will require that you notify your insurance agent

We at Bima Mtaani understand that you can’t change all factors that affect the price you pay for motor bike insurance a motorbike, but there are some ways you can reduce the cost of your bike insurance.

These include:

• Boost your bike’s security. 

You can fit an immobilizer on your bike or store it in your garage overnight which could lead to cheaper insurance.

• Pay for cover on annual basis.

Most covers purchase on monthly basis normally have an interest on it.

Paying your motor bike insurance on annual could save you some cash.

• Regularly improve your riding skills. 

There are several driving schools in Kenya that offer bike riding lessons. It is advisable that you undertake refresher courses on this. Gaining an advanced qualification could lead to cheaper cover so long as it’s recognized by your insurance provider.

• Buy a less powerful bike. 

When you are buying your first bike, you may opt for a less powerful bike which will lower the premium you pay your insurance firm for the bike insurance – not to mention, it’s safer to start off on a slower bike.

• You may Increase your excess. 

When you raise your excess, this will usually results in cheaper insurance, but you need to be sure you can afford to pay it if you were to claim on your policy.