Motorcycle Insurance — How to Reduce Prices, and Increase Safety

Motorcycle Insurance- stats, gear and costs

Every rider’s number one goal while on the road is to get to their destination safely, whether it’s going to work, heading home, or just having fun. Unfortunately though, safe riding can be both challenging, and expensive. 

According to the U.S. Department of Transportation (DOT), thousands of motorcycle fatalities occur every year on American roads, and injuries alone range well into the tens of thousands. In Europe, motorcycle injuries and fatalities tell the same story — riding a motorcycle can be a dangerous activity. 

This fact, of course, is a major driver of the motorcycle safety business. Safety-minded riders invest in quality gear, advanced training, and even video systems like GoPros to protect themselves and record their rides (often for potential use in insurance or legal cases). A lot of these products though are designed to protect a rider AFTER a collision, whether physically (in the case of safety gear) or legally with video recordings. 

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motorcycle insurance accident ride vision

Motorcycle Insurance Innovation

Riders are also familiar with the significant costs insurance premiums present to them. Young riders, and especially supersport motorcycle riders can end up paying thousands of dollars every year just for standard coverage. 

Now however, there’s a new product on the market to take motorcycling safety one step further: Ride Vision. Ride Vision is a unique Advanced Rider Assistance System (ARAS) that helps prevent accidents before they happen. The system functions via the coordination of two small HD cameras mounted on the rear and front of the vehicle, which transmit footage to Ride Vision’s own computer processing unit (ECU). The ECU then uses Ride Vision’s patented Predictive Vision™ algorithm to detect critical collision threats, and notify the rider of the danger via two unintrusive mirror-mounted LED alerts. 

Ride Vision’s system alerting on safe distance keeping

Unlike a standard GoPro, Ride Vision begins recording the moment the vehicle is turned on. With a smart power supply wired directly to the vehicle’s battery, and 2-hour continuous HD video recording — users have high-definition ride footage at their fingertips at all times via the Ride Vision app. 

Overturned motorcycle and helmet on the street after collision with the car

Reducing Motorcycle Insurance Costs

This can provide extremely useful for motorcycle insurance purposes, as insurance companies worldwide are willing to reduce rates for motorcyclists who invest in safety classes or equipment. The app is uniquely accessible to each rider, and even stores personal ride data like average speed, and number of Ride Vision alerts triggered during a trip. 

A safe rider avoiding an accident

Recently Ride Vision partnered with Sara Assicurazioni, one of Italy’s leading insurers for motorcycles. Through this partnership, riders insured by Sara Assicurazioni are eligible for significant annual discounts on their insurance premiums when they install Ride Vision on their vehicles. The goal of this incentive is to help riders avoid collisions, and also reduce the governmental and insurance costs associated with such tragic events. 

Worldwide the resulting cost of motorcycle collisions, injuries, and fatalities is staggering — and ranges well into the billions of dollars. The economic costs alone include loss of productivity, medical bills, legal and court fees, emergency services, and insurance charges. The most critical cost though is that of a rider’s life, which is why the installation of a collision prevention product like Ride Vision is so crucial.

Coming Soon – Stay Tuned

Interested retail and insurance companies can contact Ride Vision in the form below for inquiries about partnership and resale opportunities. Ride Vision will be available for commercial purchase and distribution beginning October of 2020, sign up below to stay tuned about upcoming product releases and upgrades!

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Riding a motorcycle can seem intimidating at first.  For an “outsider” the two-wheeled world can seem complex and mysterious. There’s a different set of vocabulary to learn, new skill sets to acquire, gear to buy, licensing, and of course… the purchase of a bike to consider.

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