Dangerous precedent in motorbike insurance hike

A dangerous precedent has been set with an American road safety report suggesting insurance companies price some motorists and vehicles off the road.

The Road to Zero report from the USA’s National Safety Council doesn’t mention motorcycles in reference to insurance.

Dangerous precedent: motorbike insurance ban
Image via Cheap Full Coverage Auto Insurance

However, it does suggest pricing risk-taking motorists off the road or into safer vehicles. The inference is that motorcycles could be priced off the road by exorbitant insurance premiums.

In some way, they already are.

Many young riders quote high insurance coats as being one of the biggest hurdles to motorcycle ownership.

Budget Australian motorcycle insurer InsureMyRide closed down last year and many riders have since found it difficult to find comparable rates.Insure My Ride insurance

Some insurance companies don’t want motorcycle business at all and provide exorbitant insurance quotes that either deter riders or hook them into paying too much.

Dangerous precedent

However, it is a dangerous precedent when the major road safety plan for the USA suggests an insurance policy that could price motorcycles and motorcyclists off the road.

Australia will this year produces its National Road Safety Action Plan and we would hope something similar is not included.

Those paranoid riders who believe the authorities will eventually legislate motorcycles out of existence will find no joy in this latest development!Dangerous precedent insurance Road to Zero road safety

The American Motorcyclist Association has strongly objected to the lack of motorcycling safety strategies in the report and the lack of consultation with their organisation.

“While we are concerned about unsafe drivers on our roads, we are alarmed at this proposal, which would give insurance companies license to dictate which vehicles can and can’t use public roads,” AMA spokesman Wayne Allard says.

“There have been previous attempts by insurance companies to ban classes of motorcycles. By endorsing this proposal, the Road to Zero Coalition is accepting the logic that some motorcycles, despite meeting federal and state requirements for use on public roads, don’t belong on those roads.”

Safety technology

Bosch rider aids blind spot warning sensors automated radar jet
Bosch sensors allow collision warning and adaptive cruise control on motorcycles

The Road to Zero report also places a lot of trust in new autonomous vehicle technology to make roads safer.

However, the AMA says preliminary studies of these systems show a failure to adequately detect motorcyclists.

“It is vital that motorcycles be part of the testing and development of these technologies, if they are to truly have the safety benefits for motorcyclists that the AMA and the Road to Zero Coalition hope they can have,” Allard says.

The report also suggests the application of automotive technology to motorcycles, such as automatic emergency braking, without any discussion of the potential for unintended consequences for motorcyclist training or the safety of motorcyclists.

German automotive tech company Bosch is already working on transferring car technology to motorcycles and even a gas-powered thruster to prevent low-slide motorcycle slides.

Bosch rider aids blind spot warning sensors automated radar
Bosch thrusters to prevent low-sides

One thought on “Dangerous precedent in motorbike insurance hike

  1. Motorcycles are the safest vehicles on the planet!
    More motorcycles instead of cars would lead to far fewer fatalities.
    I’m not being ironic or anything this is a logical conclusion based on potential for harm.
    If you have a potential for harm scale of zero to one hundred a B double fuel tanker would be one hundred and a push bike would be a two and a pedestrian would be a one.
    On this scale cars come in at forty and large suvs are a sixty motorcycles average out at fifteen.
    With the exception of the wannabe star riders and those whose rider education consisted of how to pack as many children and bags on a scooter and somehow keep it upright motorcyclists are far safer vehicle operators than car or truck drivers even when they are driving cars or trucks.
    So instead of forcing bikes off the road insurance company’s should be forcing car owner to ride bikes!

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