Motorcycle tips to keep you safe and save you money

With the sun out and more opportunities to explore the outdoors, riding a motorcycle is on many British Columbian’s minds. Whether you’re in the market to buy a bike or just dusting off your own two-wheel beauty, here’s a 7-point checklist of motorcycle insurance and safety tips to get you ready for riding and help you save this summer.

1. Wash your bike.

Yes, it helps to do this first. It’s the seasoned rider’s trick for keeping on top of the little details. By giving your bike a good rinse straight out of storage, you can see if there are any loose nuts or bolts, leaks or other damage that may need attention.

2. Check your tires, brake pads, fluids and chain.

Whether you DIY or take it to a motorcycle pro, some musts for safe riding are: properly inflated tires (manufacturer’s recommendation), topped up brake fluid and correctly adjusted front and rear brakes. Replace your brake fluid every two years to maintain its effectiveness and lubricate the chain before your first ride and every 1,000 kilometres.

3. Protect yourself with a good helmet and reliable gear.

Always wear a good helmet (it’s the law) and use one that has a recognized certification on it such as DOT or Snell. Invest in proper riding footwear and quality riding gear (including reflective pieces). BCAA Motorcycle Insurance comes with $1,500 coverage for motorcycle riding gear with the option to increase the limit up to $3,000.

4. Get more from your insurance.

Look for a policy that gives you deductible options and more coverage for other aspects of motorcycle riding. For example, motorcycles aren’t used all year and BCAA Motorcycle Insurance offers a no hassle 12-month policy that includes winter storage protection and covers riding gear, a trailer and sidecar. There’s also an option to add personal property coverage to protect your personal belongings carried in saddle bags. Plus, you can save 5% on the collision portion of your premium for BCAA Motorcycle Insurance if you’ve completed a recognized motorcycle training program, or are a BCAA Member.

New to motorcycling? Speak to a professional insurance advisor about BCAA Motorcycle Insurance to make sure you have the right coverage and can enjoy the open road.

5. Make modifications known so you’re covered.

Let your insurance provider know about any permanently attached equipment or modifications made to your bike whether they’ve been added by you or a previous owner. This will ensure that the value of your bike is accurately represented, and you have adequate coverage.

6. Get protection and savings on the open road.

Ensure you have the proper BCAA Membership for your motorcycle. Get The Best Roadside Assistance with a BCAA Plus or Premier Membership and know you're covered just the same as if you had a car or truck. With your Membership, you can also save over $1,000 per year at hundreds of your favourite brands.

7. Use the proper fuel.

Engine manufacturers specify a minimum octane rating for motorcycles, so check your owner’s manual for the recommended fuel to use. If you’re using premium fuel and it’s not required, you’re spending more than you need to at the pump. If your motorcycle requires 91 octane or higher (most do), make sure you use it despite premium fuel costing more to ensure that your bike lasts as long as possible and to avoid costly mechanical problems in the long run. Get tips on how to outsmart gas prices.