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Saka adalah jin yang berada dalam tubuh manusia yang sudah sekian lama sehingga sebatin dengan diri manusia tersebut. Ianya berlaku samada seseorang itu sedar atau tidak kerana ianyab diwarisi dari keturunannya. Saka ini wujud apabila nenek moyang terdahulu mempelajari ilmu tertentu yang membabitkan jin dan diperturunkan kepada pembawa saka tanpa diketahui atau boleh jadi jin tersebut sendiri memilih untuk mendampingi keturunan yang dikehendaki.
Jin tersebut oleh nenek moyang pembawa saka apabila mereka telah meninggal dunia. Semasa mereka hidup, mereka telah bersahabat dan membela jin-jin tersebut yang dikenali dengan pelbagai nama.
Nama-nama seperti hantu raya, pelesit, pontianak, polong dan lain-lain memang terkenal dikalangan masyarakat melayu. Namun hakikatnya semuanya adalah sama iaitu makhluk Allah Subhanahu nwa ta'ala yang dikenali dengan nama jin dan syaitan.
Dalilnya:
Persahabatan antara jin dan manusia dalam bentuk "khadam" dinyatakan didalam Al-Quran. Firman Alla Subhanahu nwa ta'ala.
Maksudnya:
"Dan bahawasanya ada bebebrapa lelaki dari kalangan manusia meminta perlindungan kepada beberapa lelaki dari kalangan jin, maka jin-jin itu menambah bagi mereka dosa dan kesalahan" (Surah Al-Jin:6).
Jin yang dijadikan khadam inilah akhirnya menjadi saka yang perturunkan dari ayah ke anak dan keturunan yang seterusnya (mereka yang mempunyai pertalian darah). Ini disebabkan perjanjian yang telah dibuat oleh nenek moyang dengan jin tersebut dan mengundang masalah dan penderitaan kepada keturunannya.
Pertalian Antara Jin dan Saka
Terdapat pertalian yang erat antara jin dan saka. Jin yang diwariskan seumpama harta peninggalan itulah yang dikenali sebagai saka.
Dalilnya:
Dari Abu Tha'labah berkata: Rosuulullaahi shollallaahu a'alihi wassalam bersabda.
Maksudnya:
"Jin itu mempunyai tiga jenis. Satu jenis mempunyai sayap dan beterbangan di udara, satu jenis yang berbentuk ular-ular dan anjing-anjing dan satu jenis yang berpindah-pindah".
Jin yang berpindah-pindah seperti yang disebutkan diklasifikasikan sebagai jin yang menjadi saka dari satu keturunan ke satu keturunan dibawahnya.
Ciri-ciri yang Memiliki Saka
Secara umum orang yang memiliki saka akan mempunyai kebolehan untuk mengubat orang yang sakit disebabkan jin dan syaitan tetapi dengan cara yang meragukan dari sudut syariat, antaranya:
1. Kebanyakan mereka mempunyai kebolehan mengubat melalui kaedah "menurun". Caranya ialah jin tersebut memasuki tubuh orang yang mempunyai saka tersebut dan kemudian menyamar sebagai para wali Alla dan orang-orang soleh seperti Syeikh Abdul Qodir Al-jilani, Syeikh Bahauddin an-Naqsyabandi, Syeikh Abu Hassan Aw-Syazili dan sebagainya. Namun hakikatnya ia cumalah jin yang datang daripada saka.
2. Pembawa saka mampu berubat tetapi menggunakan jampi yang mempunyai unsur-unsur syirik yang boleh menggugurkan syahadah dan iman.
3. Pembawa saka mampu berubat tetapi menggunakan jampi yang langsung tidak dapat difahami.
4. Pengamal perubatan yang kebolehannya datang dari saka selalunya sering melakukan perkara yang bertentangan dengan syariat.
5. Ada dikalangan mereka mendapat ilmu kebolehan mengubat melalui mimpui tanpa belajar.
Masa Saka Berpindah
Saka berpindah sebaik sahaja pembawasaka yang terdiri daripada nenek moyang yang membuat perjanjian dengan jin tersebut meninggal dunia. Apabila pembawa saka meninggal dunia, jin saka tersebut tidak mempunyai perumah/pembela maka ia mencari perumah/pembela baru dari kalangan anak cucu tuannya yang telah mati itu tadi.
Proses Pemindahan Saka
Berikut adalah kronologi bagaimana jin saka berpindah selepas kematian tuan punya saka tersebut.
Jin saka adalah jin yang diwarisi dari samada ibu atau bapap pewaris berkenaan. Mangsa saka biasanya adalah anak sulong atau anak bungsu atau mana-mana anak yang amat disayangi oleh ibu atau bapa yang bersaka. Ibu atau bapa ini pula sebenarnya mewarisi saka dari generasi sebelumnya sehinggalah sukar untuk mengetahui bilakah starting point kehadiran saka berkenaan.
Melalui pengalaman merawat saya mendapati jin-jin saka kebanyakan telah tua, ini kerana generasi saka sekarang berada pada generasi ke-6 dan ke-7 jika dikira dari generasi pertama.
Umur jin panjang, ia mula bersekolah menengah diusia 80 tahun, berkahwin seusia 200 tahun dan gagah perkasa diketika umur 200-500 tahun. Ketika berumur 500 tahu ke atas jin mula dizaman menopause dan sudah tidak bergigi, rabun dan bongkok apabila berumur 700 tahun ke atas.
Bagi mereka yang mewarisi sejenis sahaja (lelaki atau perempuan) jin-jin ternyata semakin tua berusia 700 tahun ke atas. Gejala kepada pewaris saka adalah mudah pelupa dan mengidap penyakit-penyakit yang sukar sembuh seperti asthma, resdung, kurap, kudis, dan banyaklagi. Jika pewaris saka ini mewariskan saka kepada generasi seterusnya kemungkinan anak ini kurang siuman, gila, sindrom down, cacat anggota tubuh dan sebagainya.
Gejala saka ini sukar dikesan kecuali ada kesungguhan dan melalui proses rawatan ataupun apabila sipewaris diganggu secara jin sihir. Apabila seseorang yang bersaka disihir, jin-jin saka ini menjelmakan dirinya pada pewaris seolah-olah mahu membantu anak buah jagaannya. Dengan kata lain jin saka tidak semestinya berada pada batang tubuh pewaris berkenaan, mereka keluar masuk kecuali jika jin-jin ini telah tua, buta, dan sebagainya.
Secara umum saya berpendapat majoriti orang melayu ada jin saka. Adakalanya bilangan jin saka menjangkau angka 1000 ekor dan akan diwarisi sehingga 7 generasi akan datang.
Kenapa Orang Melayu Bersaka?
Sejarah mencatitkan bahawa orang melayu adalah berasal dari rumpun melayu kepulauan Indonesia samada dari kepulauan Sumatera, Jawa ataupun Kalimantan. Atok-nenek kita membuka tanah di Tanah Melayu. Sejarah menyatakan kekuatan atok-nenek kita membuka berpuloh hektar tanah hutan-belantara secara solo. Secara logiknya mana mamou tulang empat-kerat manusia ini melakukan kerja sukar ini. Kajian mendapati adanya permohonan pertolongan kepada jin-jin dalam kerja-kerja begini.
Apabila mahu meninggalkan keluarga bagi membuka kawasan yang baru, jin-jin juga dipanggil untuk menjaga rumah, keluarga dan kebun. Begitulah ketergantungan generasi dahulu kepada makhluk bernama Jin.
Umur manusia pendek, paling lama 100 tahun. Tetapi jin-jin yang berkhidmat dengannya masih muda belia. Jin-jin ini telah sebatin hidup dengan manusia. Kematian rakan kongsi menyebabkan jin ini berkhidmat dengan anak-anak orang berkenaan seterusnya dan seterusnya.
Kesimpulannya kewujudan jin saka dalam badan manusia mampu memberi kesan negatif pada kehidupan manusia baik dari segi fizikal dan sosial, oleh itu ia perlulah diberantas kerana pengaruhnya dalam kehidupan turun-temurun.
Mereka Yang Menjadi Sasaran Saka
Gejala Pada Waktu Tidur
Don't make the mistake that many people make in thinking that you can skip out on insuring your motorbike. Most of the people who chose to not insure their motorcycle do so because they are misinformed about the costs and the law. If you are going to ride a motorcycle you need cover, just as you do if you drive a car. To help save money here are few tips you may want to follow to help get the lowest premium possible.
1. Offer to pay a higher voluntary excess, this is the amount of money that will come out of your pocket before the insurance company has to put up any funds. In many cases increases your premium a few pounds can help decrease your premium payment by 25 to 30 percent.
2. If you get a small dent in your bike or other minor repair fix it, don't submit it as a claim, pay for it out-of-pocket. The purpose of cover is to help protect you in the event of major financial loss. The more often you file a claim the higher your premium is going to go over time.
3. Find policy discounts. This isn't difficult and it could save you a lot of money. You can talk to a few different agents or do some research online. For example if you only ride your motorcycle occasionally you may be able to get a low mileage policy for the occasional rider, which could save you hundreds of pounds a year.
4. Understand that not all drivers are treated the same. Your driving record plays an important role in the premium you are going to be paying. The less accidents and tickets you have on your driving record the better premium you are going to get. This is due to the fact that a good driver poses less of a risk, and the reward is a lower premium.
5. Examine terms and ask questions. Sure it sounds great that your policy covers a guest passenger, but if you don't have a guest passenger asking that this be removed from your policy could help you pay a smaller premium.
6. A good credit score also means a lower premium. Some insurance companies do look at credit scores and they use that ranking to determine premiums. Do all you can to acquire and maintain a healthy credit score.
7. The type of bike you have can impact the premium you are going to get. A sports model motorcycle is going to end up with a higher premium because they are considered high risk. If you already have a sports model look for discounts other ways. If you are getting ready to purchase a motorcycle ask yourself if you really need it. It can save you a lot of money when it comes to getting insurance.
8. An older bike means bare minimum cover. Look, should you get in accident and your policy covers the damage that is done to your bike it is only going to cover the book value of that motorcycle and only the factory parts.
You need motorcycle insurance, you can't dispute that. Just because you need it doesn't mean that it has to cost you a fortune. Talk to your insurance company, know what you need, read the policies and figure out which is the best type of motor cycle insurance for you and your passion.
Article Source: http://EzineArticles.com/5994333
Jin tersebut oleh nenek moyang pembawa saka apabila mereka telah meninggal dunia. Semasa mereka hidup, mereka telah bersahabat dan membela jin-jin tersebut yang dikenali dengan pelbagai nama.
Nama-nama seperti hantu raya, pelesit, pontianak, polong dan lain-lain memang terkenal dikalangan masyarakat melayu. Namun hakikatnya semuanya adalah sama iaitu makhluk Allah Subhanahu nwa ta'ala yang dikenali dengan nama jin dan syaitan.
Dalilnya:
Persahabatan antara jin dan manusia dalam bentuk "khadam" dinyatakan didalam Al-Quran. Firman Alla Subhanahu nwa ta'ala.
Maksudnya:
"Dan bahawasanya ada bebebrapa lelaki dari kalangan manusia meminta perlindungan kepada beberapa lelaki dari kalangan jin, maka jin-jin itu menambah bagi mereka dosa dan kesalahan" (Surah Al-Jin:6).
Jin yang dijadikan khadam inilah akhirnya menjadi saka yang perturunkan dari ayah ke anak dan keturunan yang seterusnya (mereka yang mempunyai pertalian darah). Ini disebabkan perjanjian yang telah dibuat oleh nenek moyang dengan jin tersebut dan mengundang masalah dan penderitaan kepada keturunannya.
Pertalian Antara Jin dan Saka
Terdapat pertalian yang erat antara jin dan saka. Jin yang diwariskan seumpama harta peninggalan itulah yang dikenali sebagai saka.
Dalilnya:
Dari Abu Tha'labah berkata: Rosuulullaahi shollallaahu a'alihi wassalam bersabda.
Maksudnya:
"Jin itu mempunyai tiga jenis. Satu jenis mempunyai sayap dan beterbangan di udara, satu jenis yang berbentuk ular-ular dan anjing-anjing dan satu jenis yang berpindah-pindah".
Jin yang berpindah-pindah seperti yang disebutkan diklasifikasikan sebagai jin yang menjadi saka dari satu keturunan ke satu keturunan dibawahnya.
Ciri-ciri yang Memiliki Saka
Secara umum orang yang memiliki saka akan mempunyai kebolehan untuk mengubat orang yang sakit disebabkan jin dan syaitan tetapi dengan cara yang meragukan dari sudut syariat, antaranya:
1. Kebanyakan mereka mempunyai kebolehan mengubat melalui kaedah "menurun". Caranya ialah jin tersebut memasuki tubuh orang yang mempunyai saka tersebut dan kemudian menyamar sebagai para wali Alla dan orang-orang soleh seperti Syeikh Abdul Qodir Al-jilani, Syeikh Bahauddin an-Naqsyabandi, Syeikh Abu Hassan Aw-Syazili dan sebagainya. Namun hakikatnya ia cumalah jin yang datang daripada saka.
2. Pembawa saka mampu berubat tetapi menggunakan jampi yang mempunyai unsur-unsur syirik yang boleh menggugurkan syahadah dan iman.
3. Pembawa saka mampu berubat tetapi menggunakan jampi yang langsung tidak dapat difahami.
4. Pengamal perubatan yang kebolehannya datang dari saka selalunya sering melakukan perkara yang bertentangan dengan syariat.
5. Ada dikalangan mereka mendapat ilmu kebolehan mengubat melalui mimpui tanpa belajar.
Masa Saka Berpindah
Saka berpindah sebaik sahaja pembawasaka yang terdiri daripada nenek moyang yang membuat perjanjian dengan jin tersebut meninggal dunia. Apabila pembawa saka meninggal dunia, jin saka tersebut tidak mempunyai perumah/pembela maka ia mencari perumah/pembela baru dari kalangan anak cucu tuannya yang telah mati itu tadi.
Proses Pemindahan Saka
Berikut adalah kronologi bagaimana jin saka berpindah selepas kematian tuan punya saka tersebut.
- Apabila nenek moyang yang membela jin tersebut mati, jasadnya mati setelah roh nya keluar dari jasadnya. Namun begitu, jin yang berdamping dengan nenek moyang itu tidak mati kerana umur jin bukannya seperti umur manusia.
- Apabila jasad perumah saka itu dikebumikan, jin tersebut bebas dan berada dalam keadaan seperti layang-layang yang terputus talinya. Lalu ia berkeliaran di atas bumi mencari rumah tumpangannya yang baru. Perihal nyawa jin dan syaitan yang ternyata lebih panjang dari unsur manusia . Firman Allah Subhanahu wa ta'ala Maksudnya: "Iblis menjawab: 'beri tangguhlah saya sampai waktu dibangkitkan' Allah berfirman: 'Sesungguhnya kamu termasuk mereka yang diberi tangguh' Iblis menjawab: 'Kerana Engkau telah menghukum saya tersesat, saya benar-benar akan (menghalang) mereka dari jalan Engkau yang lurus' (Surah Al-A'raf: 14-16)
- Kemudiannya saka tersebut akan berpindah kepada anak cucu sebagai perumah yang baru. Kebiasaanya jin tersebut akan berpindah kepada anak cucu yang ada mengamalkan jampi-jampi tertentu yang diambil dari si mati.
- Saka juga boleh berpindah dari si mati kepada warisnya apabila anak cucu tersebut ada menyimpan mana-mana barang tinggalan si mati.
- Saka juga berpindah kepada anak cucu yang secara pengamatannya merupakan waris yang menjadi orang harapan kepada keluarga pada masa hadapan khususnya orang harapan kepada si mati yang menyimpan saka tadi.
- Orang yang berpotensi mewarisi saka adalah orang yang tinggal bersama si mati semasa hidupnya iaitu serumah dengannya.
Gejala Saka
Jin saka adalah jin yang diwarisi dari samada ibu atau bapap pewaris berkenaan. Mangsa saka biasanya adalah anak sulong atau anak bungsu atau mana-mana anak yang amat disayangi oleh ibu atau bapa yang bersaka. Ibu atau bapa ini pula sebenarnya mewarisi saka dari generasi sebelumnya sehinggalah sukar untuk mengetahui bilakah starting point kehadiran saka berkenaan.
Melalui pengalaman merawat saya mendapati jin-jin saka kebanyakan telah tua, ini kerana generasi saka sekarang berada pada generasi ke-6 dan ke-7 jika dikira dari generasi pertama.
Umur jin panjang, ia mula bersekolah menengah diusia 80 tahun, berkahwin seusia 200 tahun dan gagah perkasa diketika umur 200-500 tahun. Ketika berumur 500 tahu ke atas jin mula dizaman menopause dan sudah tidak bergigi, rabun dan bongkok apabila berumur 700 tahun ke atas.
Bagi mereka yang mewarisi sejenis sahaja (lelaki atau perempuan) jin-jin ternyata semakin tua berusia 700 tahun ke atas. Gejala kepada pewaris saka adalah mudah pelupa dan mengidap penyakit-penyakit yang sukar sembuh seperti asthma, resdung, kurap, kudis, dan banyaklagi. Jika pewaris saka ini mewariskan saka kepada generasi seterusnya kemungkinan anak ini kurang siuman, gila, sindrom down, cacat anggota tubuh dan sebagainya.
Gejala saka ini sukar dikesan kecuali ada kesungguhan dan melalui proses rawatan ataupun apabila sipewaris diganggu secara jin sihir. Apabila seseorang yang bersaka disihir, jin-jin saka ini menjelmakan dirinya pada pewaris seolah-olah mahu membantu anak buah jagaannya. Dengan kata lain jin saka tidak semestinya berada pada batang tubuh pewaris berkenaan, mereka keluar masuk kecuali jika jin-jin ini telah tua, buta, dan sebagainya.
Secara umum saya berpendapat majoriti orang melayu ada jin saka. Adakalanya bilangan jin saka menjangkau angka 1000 ekor dan akan diwarisi sehingga 7 generasi akan datang.
Kenapa Orang Melayu Bersaka?
Sejarah mencatitkan bahawa orang melayu adalah berasal dari rumpun melayu kepulauan Indonesia samada dari kepulauan Sumatera, Jawa ataupun Kalimantan. Atok-nenek kita membuka tanah di Tanah Melayu. Sejarah menyatakan kekuatan atok-nenek kita membuka berpuloh hektar tanah hutan-belantara secara solo. Secara logiknya mana mamou tulang empat-kerat manusia ini melakukan kerja sukar ini. Kajian mendapati adanya permohonan pertolongan kepada jin-jin dalam kerja-kerja begini.
Apabila mahu meninggalkan keluarga bagi membuka kawasan yang baru, jin-jin juga dipanggil untuk menjaga rumah, keluarga dan kebun. Begitulah ketergantungan generasi dahulu kepada makhluk bernama Jin.
Umur manusia pendek, paling lama 100 tahun. Tetapi jin-jin yang berkhidmat dengannya masih muda belia. Jin-jin ini telah sebatin hidup dengan manusia. Kematian rakan kongsi menyebabkan jin ini berkhidmat dengan anak-anak orang berkenaan seterusnya dan seterusnya.
Kesimpulannya kewujudan jin saka dalam badan manusia mampu memberi kesan negatif pada kehidupan manusia baik dari segi fizikal dan sosial, oleh itu ia perlulah diberantas kerana pengaruhnya dalam kehidupan turun-temurun.
Mereka Yang Menjadi Sasaran Saka
- Anak cucu yang sangat cetek pengetahuan agamanya
- Anak cucu yang melazimi maksiat dan sering melanggar peraturan agama.
- Anak cucu yang sentiasa meninggalkan ibadat wajib seperti solat dan puasa.
- Adakalanya anak cucu yang kuat pegangan agamanya kerana jin dan syaitan sangat mengidamkan supaya orang yang taat berjaya disesatkan.
- Anak cucu yang lemah; fizikal dan antibodinya. Ini akan memudahkan jin untuk bertapak di dalam badan mangsanya.
- Anak cucu yang memang menginginkan sangat apa yang dipunyai oleh nenek moyang mereka. Apabila saka ini diwarisi seolah-olah orang mengantuk disorongkan bantal.
- Anak cucu yang mengidamkan kehebatan dengan pelbagai kelebihan dihadapan manusia walaupun dengan cara yang mencabar syariat Allah Swt.
Tanda-Tanda Seorang Itu Mempunyai Saka
Gejala Pada Waktu Tidur
- Susah tidur malam, tidak boleh tidur kecuali setelah bersusah payah.
- Sering terjaga pada waktu malam dalam keadaan cemas dan takut.
- Mimpi buruk yang dikenali kabus seperti mimpi melihat sesuatu yang mengancamnya lantas menjerit meminta pertolongan, malangnya tiada sesiapa mendengar. Biasanya terjadi dalam keadaan "kena tindih".
- Mimpi perkara yang menakutkan dan menyeramkan.
- Mimpi melihat binatang seperti kucing, anjing, unta, ular, serigala, tikus dan sebagainya. Kalau bermimpi dipatuk ular, kemungkinan pertanda bahawa sihir telah pun masuk ke dalam jasadnya.
- Bunyi gigi berlaga pada waktu tidur.
- Ketawa, menangis dan menjerit-jerit ketika sedang tidur.
- Berdiri dan berjalan ketika tidur.
- Mimpi jatuh dari tempat tinggi.
- Mimpi berada dikawasan kotoran atau kawasan perkuburan.
- Mimpi berada ditempat sunyi.
- Mimpi terserempak atau melihat makhluk dengan rupa yang menakutkan atau diistilahkan sebagai hantu.
- Mimpi melihat budak kecil. Bermimpi budak kecil menyusu dan rasa sayangkannya (ini berlaku kepada golongan wanita).
- Mimpi melihat salib atau gereja.
- Mimpi bertemu paderi.
- Merintih dan menangis ketika tidur.
Gejala Pada Waktu Berjaga Atau Sedar
- Selalu pening, para pengamal perubatan modern tidak dapat mengesan penyakit dan dikatakan penyakit misteri.
- Selalu lalai daripada mengingati Allah swt.
- Hilang ingatan dan mungkin menjadi gila. Gila adalah berpunca dari jin. Dalam bahasa Arab gila digelar "majnun" Majnun bermaksud diijinkan iaitu isim maf'ul.
- Sering lesu dan malas.
- Rasa sakit disalah satu anggota badan dan doktor tidak berupaya mengobatinya.
- Sentiasa terasa sakit di belakang terutama di tulang belakang.
- Lenguh di sendi-sendi utama.
- Melihat sesuatu yang pelik semasa jaga.
- Mempunyai ketumbuhan yang sukar diubati. Biasanya doktor menakrifkannya sebagai kanser. Perlu diingat kancer berpunca daripada jin.
- Terasa seolah-olah terdapat sesuatu di bawah tapak kaki. Seperti terpijak batu atau telur.
- Mudah panik dan kaget apabila berhadapan dengan sesuatu ujian.
- Jiwa sentiasa lemah dan tiada motivasi untuk meneruskan kehidupan.
- Sentiasa mengantuk terutama dalam majlis ilmu.
- Mudah marah dan panas baran.
- Emosional dan terlalu sensitif.
Kesan Dan Akibat Daripada Saka
- Orang memiliki saka sukar untuk mendapat anak.
- Banyak perkara ganjil berlaku di dalam hidup seperti pernah berjumpa dengan orang aneh namun orang lain tidak dapat melihatnya dan sebagainya.
- Tidak berupaya untuk hidup dengan sempurna kerana menghidap pelbagai penyakit modern malah penyakit aneh yang tidak mampu di diagnosiskan. Mungkin juga berpotensi menghidap penyakit kanser kerana kanser mempunyai pertalian yang rapat dengan gangguan jin.
- Tidak suka bergaul dengan manusia lain dan kurang suka hidup bermasyarakat.
- Sangat sensitif dan mudah terasa dengan kata-kata orang.
- Kadangkala tahu perkara-perkara mustahil diketahui oleh orang-orang lain. Namun hakikatnya ia adalah bisikan iblis dan jin.
- Anak kepada anak cucu yang mempunyai saka sentiasa banyak menangis semasa kecil dan semasa besar berperangai dengan perangai yang buruk.
- Anak cucu yang mempunyai saka suka melawan cakap ibu bapa dan orang lebih tua.
- Kehidupan menjadi suram dan tidak ceria serta selalu dalam keadaan tegang.
Wallaahua'lam.
Sumber: Kisah Seram dari Ustaz Musa Ali
Baca Juga:
Save Money and Enjoy Your Motorcycle More!
Don't make the mistake that many people make in thinking that you can skip out on insuring your motorbike. Most of the people who chose to not insure their motorcycle do so because they are misinformed about the costs and the law. If you are going to ride a motorcycle you need cover, just as you do if you drive a car. To help save money here are few tips you may want to follow to help get the lowest premium possible.
1. Offer to pay a higher voluntary excess, this is the amount of money that will come out of your pocket before the insurance company has to put up any funds. In many cases increases your premium a few pounds can help decrease your premium payment by 25 to 30 percent.
2. If you get a small dent in your bike or other minor repair fix it, don't submit it as a claim, pay for it out-of-pocket. The purpose of cover is to help protect you in the event of major financial loss. The more often you file a claim the higher your premium is going to go over time.
3. Find policy discounts. This isn't difficult and it could save you a lot of money. You can talk to a few different agents or do some research online. For example if you only ride your motorcycle occasionally you may be able to get a low mileage policy for the occasional rider, which could save you hundreds of pounds a year.
4. Understand that not all drivers are treated the same. Your driving record plays an important role in the premium you are going to be paying. The less accidents and tickets you have on your driving record the better premium you are going to get. This is due to the fact that a good driver poses less of a risk, and the reward is a lower premium.
5. Examine terms and ask questions. Sure it sounds great that your policy covers a guest passenger, but if you don't have a guest passenger asking that this be removed from your policy could help you pay a smaller premium.
6. A good credit score also means a lower premium. Some insurance companies do look at credit scores and they use that ranking to determine premiums. Do all you can to acquire and maintain a healthy credit score.
7. The type of bike you have can impact the premium you are going to get. A sports model motorcycle is going to end up with a higher premium because they are considered high risk. If you already have a sports model look for discounts other ways. If you are getting ready to purchase a motorcycle ask yourself if you really need it. It can save you a lot of money when it comes to getting insurance.
8. An older bike means bare minimum cover. Look, should you get in accident and your policy covers the damage that is done to your bike it is only going to cover the book value of that motorcycle and only the factory parts.
You need motorcycle insurance, you can't dispute that. Just because you need it doesn't mean that it has to cost you a fortune. Talk to your insurance company, know what you need, read the policies and figure out which is the best type of motor cycle insurance for you and your passion.
Article Source: http://EzineArticles.com/5994333
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