Motorbike Insurance FAQs
How much does motorbike insurance cost?
The cost of motorbike insurance varies from one insurance provider to another and depends upon the level of financial protection you need. The most basic policies are very affordable; in fact, motorbike insurance is generally much cheaper than car insurance, unless you own a classic model. If you own your motorbike, you may require only a cheap third party motorbike policy, which pays out to compensate other individuals for injuries or property damage if you are at fault for an accident.
What are the consequences if I don't insure my motorbike?
Riding without insurance is a serious offence in the UK. You will incur large fines and penalty points on your driving licence if you are caught riding without proper motorbike cover. A minimum of third party motorbike insurance is required by law, and many insurers provide third party policies that are cheap enough to suit nearly any budget.
What documents do I need to prove that I have motorbike insurance?
Your certificate of insurance, which you receive when you buy your policy, proves that you are covered. If an accident should occur, you must provide your certificate at the scene. The certificate is also required when your motorbike is taxed.
Does motorbike insurance pay for repairs if my motorbike is damaged in an accident?
Comprehensive motorbike insurance is the only level of cover that pays out to repair your motorbike if it's damaged in an accident. Fully comprehensive coverage provides benefits to repair your motorbike after an incident, whether or not you were at fault. Comprehensive cover also includes coverage against third party claims, fire and theft.
Will motorbike insurance cover the cost of my bike if it's stolen?
Third party, fire and theft or comprehensive motorbike insurance pay out to help you replace your motorbike if it's stolen. However, your policy may not reimburse you for the entire replacement value of the motorbike. Some policies only pay out to replace your bike at its current value, which includes a deduction for wear and tear.
How do insurance companies decide how much my motorbike cover should cost?
Insurers base your rates for motorbike cover on the statistical probability that you will be involved in an accident or that your motorbike will be stolen. Your age, geographical location, the length of time you've held a full motorbike licence, your driving record and the type of motorbike you ride are taken into consideration when determining your rates. In addition, insurers consider how frequently you ride your motorbike and whether you use it for commuting or pleasure.
Which motorbikes are cheapest to insure?
Smaller, low powered motorbikes are cheaper to insure than high powered bikes with large engines. 125cc motorbikes, for instance, are often cheaper to insure than larger motorbikes. Bikes that are cheap to repair and less likely to be stolen are among the cheapest to insure. Classic motorbikes, by contrast, are more costly to insure because they are more costly to repair and replace.
Does motorbike insurance cover my passengers?
Third party cover does not insure passengers on your motorbike; however, your passengers may be able to obtain cover through their car insurance provider. Some comprehensive policies offer the option to insure passengers. Including passengers on a comprehensive policy may increase the cost of your insurance.
Do I need insurance to ride a mate's motorbike?
You must carry insurance to cover any motorbike that you ride, even if it's only for a few hours. Temporary motorbike insurance is available to cover riders for 1 to 28 days if you are borrowing or test driving a bike, or if a friend or relative wants to ride your vehicle. You must be at least 21 years of age to qualify for short term motorbike cover, and some providers require you to be at least 23.
How can I lower the cost of motorbike insurance?
A no claims bonus, which you may obtain after riding for an entire policy period without making any claims, will allow you to claim a discount on your premium during the next policy period. Paying a voluntary excess or paying for your cover annually rather than monthly or quarterly will also help you achieve lower premiums. Housing your motorbike in a locked garage and fitting the bike with Thatcham approved security devices may lower your premiums and increase the security of your motorbike.
Can I obtain motorbike insurance if I've been convicted of a motoring offence?
You must continue to carry motorbike insurance as long as you're riding. A conviction doesn't mean that you can't obtain insurance, but you may have difficulty finding a cheap policy. A convicted motoring offence carries penalty points, which will result in higher rates. Some insurers may deny coverage to convicted motorists after they've acquired a certain number of penalty points.
Bikes and The Law
Q: What Differentiates Bike Laws and Car Laws?
A: When you decide to start riding a motorbike in the UK, you are going to be starting a new hobby that can be potentially exhilarating, full answer...
Q: What is a CBT?
A: CBT or compulsory basic training is sort of like the driver's test equivalent of motorbikes. If you have never heard of it full answer...
Q: What is a Dl?
A: People that are thinking about purchasing motorbike cover and riding a motorbike in the UK are going to have to understand full answer...
Q: What is a Provisional Licence?
A: Riding a motorbike in the UK is a privilege that thousands of people enjoy on a daily basis. Not only is riding a convenient full answer...
Q: What is an MOT?
A: There is a lot to think about when you decide to get into the world of motorbike riding, and learning all that you can about full answer...
Q: What Licensing Rules are there for Bikes?
A: Licensing a motorbike is essential for you to do before you take it out on the open road. This is because the motorbike is full answer...
Bikes vs Cars
Q: Are Bikes More Dangerous than Cars?
A: Owning a motorbike is something that thousands of British citizens have decided to do. When you own and drive a motorbike, full answer...
Q: Are Bikes More Efficient than Cars?
A: Motorbiking is a very popular pastime in the UK, and for many decades people have been purchasing and driving motorbikes full answer...
Q: Are Cars Or Bikes More Expensive to Insure?
A: There are many things that you will need to consider when you are looking into getting some insurance for your new or used full answer...
Classic Bikes
Q: Are Classic Bikes Time Consuming?
A: Many various individuals all around the world find joy in working with and riding classic bikes and cars. This is because full answer...
Q: Do Classic Bikes Need More Intensive Maintenance?
A: Part of the charm of owning a classic bike is the relationship you build with it while working on it. Although older motorcycles full answer...
Q: Where Can I Get Parts for a Classic Bike?
A: One of the major problems of owning a classic bike compared to owning a motorcycle that was produced recently is sourcing full answer...
Coverage
Q: Can I Upgrade my Insurance?
A: When you are looking to get insurance for your motorbike, you need to consider the grade of insurance that you are getting. full answer...
Q: Can I Use my No Claims Discount From my Car Insurance?
A: Technically, because the insurance policy you take out for a motorbike will be vastly to different to a car insurance deal, full answer...
Q: Do I Have to Insure a Passenger on my Motorbike?
A: You can usually choose at the start of a motorbike insurance contract whether or not you want to add a passenger to your full answer...
Q: Do I Need Collision Coverage?
A: Collision coverage is not compulsory, and therefore motorbike riders can drive without collision coverage on their policy full answer...
Q: Do I Need Optional Equipment Coverage?
A: Should you start looking to insurance your motorbike or just upgrade your current policy, there are many considerations that full answer...
Q: How Can I Find the Best Value?
A: Getting insurance for any number of things, motorbikes included, is a task that you should be careful to pour all of your full answer...
Q: How Can I Get the Most Coverage for the Least Amount of Money?
A: Getting the most motorbike insurance coverage in exchange for the cheapest premiums is the goal of nearly every rider. Although full answer...
Q: Is Lite Cover a Wise Investment?
A: When you are looking into getting insurance for the motorbike or classic motorbike that you are currently using, you will full answer...
Q: What are the Best Ways to Find Cheap Insurance?
A: There are a few ways to find the cheapest insurance deals, though the most popular method (and probably the quickest) is full answer...
Q: What Does Full Coverage Include?
A: Full coverage for your motorbike may vary from one provider to another, with some providers offering specialist covers at full answer...
Q: What is an Excess?
A: For many people in the UK, riding a motorbike is part of their everyday life, while others are only going to use their bike full answer...
Q: What is Liability Coverage?
A: Liability coverage is a form of cover policy outside of the insurance policy that you will take out with a motorbike insurance full answer...
Q: What is Safety Apparel Coverage?
A: In the UK, there are thousands of people who use motorbikes and scooters on a daily basis, and these people have some very full answer...
Q: What is Third Party Cover?
A: Third party policy cover for your motorbike will cover you for damages to other people, other motorbikes, and possibly other full answer...
Q: What is voluntary excess?
A: A voluntary excess deal attached to a policy is usually optional, though this does mean that you will have to pay more for full answer...
Q: What Levels of Motorbike Cover are There?
A: There are three main levels of motorbike cover, much like ordinary car insurance cover, and they all come at different prices full answer...
Q: What Other Coverage Options are Available?
A: When you are looking for motorbike insurance, you will quickly learn that as a shopper in the UK you are going to have a full answer...
Q: What Protection Will Partial Cover Give Me?
A: When you own and ride a motorbike in the UK, you will be taking advantage of one of the most exhilarating and enjoyable types full answer...
Q: Which is the Best Insurance for Me?
A: When you are looking for coverage for your motorbike for things like optional equipment insurance, there are many things full answer...
Q: Will my Insurance Cover me to Ride Other Bikes?
A: Most insurance cover polices will not insure the motorbike rider on other bikes, because the insurance policy will be applicable full answer...
Insurance Basics
Q: How do I Know I Am Getting a Good Insurance Policy?
A: When you begin shopping for motorbike insurance, you will soon realise that you have many options to choose from. To determine full answer...
Q: Why is It Important to Insure my Motorbike?
A: Insuring your motorbike is one of the most important steps you can take to protect the freedom and flexibility that you enjoy full answer...
Insurance Factors
Q: Am I Required to Wear a Helmet?
A: The law states in the UK that if you are riding a motorbike on British soil, you must have a full license and wear a helmet. full answer...
Q: Can I Add my Motorbike to my Car Insurance Policy?
A: If you own a car and a motorbike you will need to get two separate insurance policies for both machines. Although you will full answer...
Q: How Does my Bike Affect my Insurance?
A: Should you begin the process of looking into getting a more efficient motorbike and motorbike insurance, you might experience full answer...
Q: What Factors Will Make my Premiums Increase?
A: Concerning motorbike insurance, there are going to be many potential things that will increase the premium that you are required full answer...
Q: Will I be Rewarded for Safe Driving?
A: People all around the UK have embraced the kind of freedom and lifestyle that comes with motorbike ownership. When you purchase full answer...
Q: Will my Age Affect my Insurance?
A: Riding a motorbike is something that can be liberating and extremely enjoyable. Not only that, but your motorbike may be full answer...
Q: Will my Insurance Rates Get Higher if I Have an Accident?
A: If you have an accident on your motorbike and you make a claim, your insurance premiums or rates will probably not get any full answer...
Miscellaneous
Q: Are there Local Riding Groups in my Area?
A: There are many ways to get around in the UK. Some will choose to purchase a car, others will use a bicycle as their main full answer...
Q: Are Used Motorbikes as Safe as New Ones?
A: There are many different reasons to purchase a motorbike, and people in the UK are taking advantage of some of the opportunities full answer...
Q: Is It Safer to Ride my Motorbike in a Group?
A: People who ride motorbikes in the UK are going to experience enjoyment that they would other not receive when getting around. full answer...
Q: What do I Need to Consider Before Buying my First Motorbike?
A: The UK is a place where people enjoy a large amount of freedom, and that freedom allows you to pursue a number of different full answer...
Safety
Q: Are Bikes More Manauvreable?
A: When you are considering getting a motorbike for yourself, there are many things that you need to keep in mind before you full answer...
Q: How Can I Avoid Accidents?
A: When you are driving on the road, one of the things that most people have the largest fear of is getting into an auto accident. full answer...
Q: What are the Biggest Risks on the Road?
A: When you are on the road on your motorbike, you need to know some of the dangers that you might find yourself in. If you full answer...
Q: Why Should I Stay Below 70?
A: When you are driving a motorbike, there are certain roadway risks that you should keep in mind so that you minimize the likelihood full answer...
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