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Need to know

• What are the different types of motorcycle insurance?

  UK motorcycle insurance comes in three main categories:

  • Third party: This is the minimum legal requirement for motorcycle insurance. It's a basic form of insurance that covers the costs of any damage incurred while driving. For example, if a driver is in an accident with another vehicle, the at-fault driver is liable for damage to the other person's vehicle, and for any medical expenses they incur as a result of the accident. Note, however, that the insurance does not cover the costs of damage to the vehicle belonging to the driver who is deemed at fault.
  • Third party, fire, and theft: This is similar to third party insurance, but also covers the cost of replacing a motorcycle if it's stolen or damaged in a fire.
  • Comprehensive cover: Provides everything as above, but also covers costs for repairing the vehicle belonging to an at-fault driver.

• What are the different motorcycle insurance groups?

  As with cars, motorbikes are generally categorised by insurance providers into different groups, and the group a motorbike is in then usually determines its basic premium price. However, while cars are categorised into one of 50 groups, the number of groups is much smaller for motorbikes.

  Depending on the insurer, there may be somewhere between 17 and 22 groups. As with cars, it is likely that the lower the group number of a bike, the lower its premiums are likely to be.

  The group a motorbike is categorised in depends mostly on its price, power, and performance level, but other factors such as availability of spare parts and average time required for repairs also come into play.

• What is an excess?

  An excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident. It varies depending on the car that is covered, the age and experience of the drivers on your policy.

• What is a No Claims Discount (NCD)?

  For every year of claim free driving, each policyholder will earn a discount towards the cost of their renewal (to a maximum of 9 years).

• Should I let my policy automatically renew?

  No, your existing provider will likely be more expensive so its best to shop around to find a new deal rather than renewing.

• How long does motorcycle insurance last?

  Most motorcycle insurance policies last one year, but you can cancel your cover for a fee.

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