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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.
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.
Evaluate optional extras, such as personal injury cover, breakdown cover, and legal protection, to determine if they are necessary for your circumstances.
Improve your motorcycle's security with features like alarms, immobilisers, and tracking devices.
If possible, pay your insurance premium annually instead of in monthly installments.
Avoid traffic violations and accidents to maintain a clean riding record.
Taking advanced riding courses and obtaining relevant certifications may make you eligible for discounts from certain insurers.
Consider bundling your motorbike insurance with other insurance policies, such as car or home insurance, if offered by the same insurer.
Review your insurance policy annually upon renewal to ensure it still meets your needs.
You can reduce your premium by opting for a higher voluntary excess (the amount you pay towards a claim).
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.
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.
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.
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.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could achieve is dependent on your individual circumstances.