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A motorcycle is a two-wheeled vehicle powered by an engine. Motorcycles are one of the cheapest and most widespread forms of motorized transport for many parts of the world. On a typical motorcycle, the operator sits astride the vehicle on a seat with his or her hands on a set of handlebars. Foot pegs on either side of the bike support the rider`s feet. When the bike is at rest, the rider puts one or both feet on the ground. Engine speed is controlled by twisting the throttle on the right handlebar grip while brake control is exercised with a hand lever and foot pedal. A foot lever with the clutch is operated to shift gears. Motorcycles have a long history of development. The first motorcycle was invented in the late nineteenth century. It was simply a cycle mounted with an internal combustion engine. Later on, many companies came forward with radical designs and concepts. However, it was after World War Two that motorcycles flooded the markets all over the world. Since then, there has been no looking back, and it is estimated that by now, more than one billion motorcycles have been sold since its invention. The motorcycle is a two-wheeled machine, which can reach enormous speeds. This makes the motorcycle a risky device, and as a result it is compulsory in many countries to have motorcycle insurance under the motor insurance act. Motorcycle insurance basically involves a contract between the motorcycle owner and an insurance company. The motorcycle owner pays a regular premium to the motorcycle insurance company in return for risk management. This helps at the time of distress when any personal loss is incurred in the form of motorcycle damage, accident or theft. In this way, motorcycle insurance helps in providing a guarantee against damage in financial form. In many developed countries, motorcycle insurance is necessary as a means of obtaining a motorcycle license. Driving on roads without motorcycle insurance is considered to be an act of negligence offence against the motorcycle riders. Overall, motorcycle insurance is an efficient and useful method of driving on the roads without any fear of hazards that may be encountered during the ride.