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Need to know

• What are the different types of motorcycle insurance?

  Just like car insurance, there are different levels of cover that you can get for your motorbike.

  • Third party bike insurance

    Third party bike insurance is the minimum cover you need in order to ride your bike on UK roads. It covers damage to others due to an accident that’s deemed your fault – you won’t be covered if your bike is damaged or stolen.

  • Third party, fire and theft bike insurance

    Third party, fire and theft insurance offers the same basic protection as third party motorbike insurance, except you have the added cover of repairs or replacement if it’s stolen or damaged by a fire.

  • Comprehensive

    This type of bike insurance offers the most cover. You’ll be covered for any damage to your bike in the event of an accident, as well as any third party damage or injuries.

• What are motorbike insurance groups?

  Motorbikes fall into insurance groups based on their value and performance – the more powerful and valuable your motorbike is, the higher the insurance group it will fall into.

• What is an excess?

  An excess is what you need to pay in the event of a claim, regardless of who is to blame for the accident. The amount will vary depending on the motorbike covered, the age and experience of the drivers named on your policy.

• What is a No Claims Discount?

  A no claims discount is a count of the number of years you’ve driven your motorbike without making a claim on your motorbike insurance policy. It’s a great way of rewarding safe drivers with a discount on motorbike insurance costs.

• Should I let my existing bike insurance policy automatically renew?

  You are generally offered the best rates as a new customer, so rather than letting your current motorbike insurance policy renew automatically, you should shop around for a better deal. Compare motorbike insurance online with Quidco Compare to find a new provider.

• How long does motorbike insurance last?

  Most bike insurance policies last for 12 months however you can usually cancel your policy earlier for a fee.

• How can I find cheap motorcycle insurance?

  If you’re looking for a cheap bike insurance policy there are a couple of things you can do to reduce your premiums.

  • Avoiding heavily modified and unusual motorbikes will usually reduce the cost of your insurance. They may be more expensive to repair or replace parts, and more likely to be stolen by thieves.
  • Pay your insurance policy in full annually will help you avoid interest fees for paying monthly.
  • Parking your motorbike in a secure area, such as a driveway or garage, can help reduce the cost of insurance.
  • Increasing your bike’s security features can help reduce insurance premiums. Consider adding an electronic alarm or immobiliser to your bike.

Useful information

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