Choosing the Right Amount of Motorcycle Insurance Coverage in the UK
Motorcycling is not just a means of transportation; it’s a lifestyle, a passion that connects riders with the thrill of
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Do I need motorbike insurance?
In the UK, you are legally required to have motorbike insurance to ride your motorcycle on public roads. The minimum level of insurance required is compulsory third-party insurance, which provides coverage for liability in case you injure someone else or damage their property while riding your motorcycle.
It’s essential to have proof of insurance, typically in the form of an insurance certificate or an electronic copy, when riding your motorbike. Failing to have the required insurance can result in severe penalties, including fines, points on your driving record, and even the possibility of having your motorcycle seized.
How do I get cheaper motorbike insurance?
Optional extras
Evaluate optional extras, such as personal injury cover, breakdown cover, and legal protection, to determine if they are necessary for your circumstances.
Coverage
Determine the level of coverage you need based on factors like the type of motorcycle you ride, its value, how often you use it, and where you live.
Security
Improve your motorcycle's security with features like alarms, immobilisers, and tracking devices.
Pay annually
If possible, pay your insurance premium annually instead of in monthly instalments.
Clean driving record
Avoid traffic violations and accidents to maintain a clean driving record.
Courses
Taking advanced riding courses and obtaining relevant certifications may make you eligible for discounts from certain insurers.
Bundle policies
Consider bundling your motorbike insurance with other insurance policies, such as car or home insurance, if offered by the same insurer.
Review policies
Review your insurance policy annually upon renewal to ensure it still meets your needs.
Excess
You can reduce your premium by opting for a higher voluntary excess (the amount you pay towards a claim).
Types of motorbike insurance
This is the minimum legal requirement for riding a motorcycle in the UK. It provides coverage for liability in case you injure someone else or damage their property while riding your motorcycle. It does not cover damage to your own motorcycle or injuries you may sustain.
TPFT insurance extends the coverage of third-party insurance to include protection against fire damage and theft of your motorcycle. It covers liability for injury or damage to others as well as damage caused by fire or theft to your own motorcycle.
Comprehensive insurance is the most extensive coverage option. It includes all the benefits of TPFT insurance and adds coverage for accidental damage to your own motorcycle. It provides financial protection for a wide range of scenarios, including accidents, vandalism, and weather-related damage.
Motorbike insurance optional extras
Motorbike insurance providers often offer optional extras that you can add to your policy for additional coverage or benefits. These optional extras can enhance your insurance policy to better suit your specific needs and include:
- Personal injury cover
- Breakdown cover
- Legal protection
- Helmets and gear cover
- Riding abroad (European cover)
- Key cover
- No claims discount (NCD) protection
- Courtesy bike
FAQ
Need more help?
How do I make a claim on my motorbike insurance?
To make a claim, contact your insurance provider as soon as possible and follow their claims process. You will typically need to provide details about the incident, supporting documents, and any relevant information.
Can I transfer my motorbike insurance to a new motorcycle?
It depends on your insurer and policy. Some insurers may allow you to transfer the coverage to a new motorcycle, while others may require you to purchase a new policy. It’s important to check with your insurer.
Can I cancel my motorbike insurance policy at any time?
Most motorbike insurance policies allow you to cancel at any time, but there may be specific terms and conditions related to cancellations. Review your policy documents for details.
What should I do if my motorcycle is modified or has custom parts?
If your motorcycle has modifications or custom parts, you should inform your insurer and may need to add these modifications to your policy to ensure they are adequately covered.
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