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Motorbike Insurance

A motorbike insurance is a legal requirement in the UK and the minimum required level of cover is third party. This type of insurance covers liability for damage or injury to a third party and their property. In this article, you will find more information about motorbike insurance.

See the table of content for an easy overview of the article.

Contents

What is a motorbike insurance?


A motorbike insurance insurance is a legal requirement. There are three types of coverage:

  • Third party only
  • Third party, fire and theft
  • Comprehensive

Third party only is required by law.

Third party only

Third party only covers:

  • Liability for damage or injury to a third party
  • Damage to property

Third party, fire and theft (TPFT)

Third party, fire and theft covers:

  • Liability for damage or injury to a third party
  • Damage to property
  • Fire
  • Your motorbike being stolen
  • Any damage caused to your motorbike during theft or attempted theft

Comprehensive coverage

Comprehensive coverage varies depending on the your insurance provider. In general, it covers the same as the TPFT and damage to your motorbike and yourself in case of an accident or vandalism.

What is insurance for bike?

Motorbike insurance is a legal requirement that makes sure people can cover the cost of any riding related damage or injury.

What is a multi bike insurance?

A multi bike insurance is a motorbike insurance that covers more than one motorbike. This type of insurance is typically cheaper if you have more than one motorbike.

Read more about multi bike insurance:

What is short term motorbike insurance?

Short term motorbike insurance is an option if you only need insurance for a few days to a few months. Short term motorbike insurance is not very common, and you may need to go through a specialist for coverage.

What is classic motorbike insurance?

If you have a classic motorbike, you may want to consider getting special insurance to cover it. The definition of what is a classic motorbike may differ, but it generally has to be at least 20 years old.

What is full coverage insurance on a motorcycle?

Full coverage insurance for a motorcycle (and in general) is when the coverage includes both collision and comprehensive coverage.

Cheap motorbike insurance in the UK: Compare quotes and the market


The easiest way to get cheap motorbike insurance is to use one of the many online comparing services. We have listed some of the major players below:

Motorbike insurance groups

Just like cars, motorbikes fall into insurance groups based on performance and value. There ranges between 17 to 22 groups, and most bikes fall between 3 to 17. As with cars, the higher group the bike is placed, the most valuable and expensive the insurance will be.

For more information, see the list at BikerandBike.

Motorbike insurance at Go Compare

Go Compare is price comparison platform for insurance, travel and other products.

Read more: Go Compare

Motorbike insurance at Confused

Confused is a platform for comparing insurance products such as motorbike insurance

Read more: Confused

Top 10 motorbike insurance

This site lists the top 10 motorbike insurance companies – among more – to compare different types of motorbike insurance.

Read more: Money.co.uk

Cheapest motorbike insurance in the UK

When evaluating the cheapest motorbike insurance, it’s good to understand what type of motorbike insurance is right for you. The site linked below, MoneySavingExpert.com, is a guide that provides basic information about motorbike insurance, and a comparison to find the cheapest policy.

Read more: MoneySuperMarket

Motorbike insurance comparison

Depending on what type of motorbike insurance that you need, there are several platforms available for comparing motorbike insurances. These are a few listed below:

Motorbike insurance at MoneySuperMarket

MoneySuperMarket.com, is a guide that provides basic information about motorbike insurance, and a comparison to find the cheapest policy.

Read more: MoneySuperMarket

How much is motorbike insurance?

As mentioned above, the cost of motorbike insurance will depend on your circumstances, the type of motorbike, and the policy required for it.

Motorbike insurance is a legal requirement. It is important to talk to representatives and compare the different policies before picking one. In this article, we will list a variety of insurance comparison platforms and answer questions regarding motorbike insurance.

What does motorbike insurance cost?

The cost of motorbike insurance will depend on your circumstances, the type of motorbike, and the policy required for it. It’s important to do thorough research and compare the different policies to understand what fits your situation the best.

How much does it cost to insure a motorbike?

As mentioned above, the cost of motorbike insurance will depend on your circumstances, the type of motorbike, and the policy required for it.

What does motorcycle insurance cover?

Motorcycle insurance is a legal requirement, but you can decide the level of coverage that you want to have for your motorbike. It can range from third party (minimum coverage) to comprehensive coverage.

Motorcycle insurance may include: liability for damage or injury to a third party, damage to property, theft, fire damage, medical expenses and/or vandalism.

What is the best motorbike insurance?

The best motorbike insurance will depend on a variety of factors and circumstances with your own situation. It is best to evaluate your vehicle and environment, and compare different motorbike insurances to find what is best for you. Use the comparison sites in this section of the article to evaluate your own comparison.

How much is temporary motorbike insurance?

Temporary or short term motorbike insurance is an option if you only need insurance for a few days to a few months. Temporary motorbike insurance is not very common, and you may need to go through a specialist for coverage.

Read more: GoCompare

How much is one day motorbike insurance?

One day motorbike insurance is an option if you only need insurance for one or a few days a year. One day motorbike coverage may be expensive if you’re under 21 years of age, and expensive for the coverage.

Read more: MoneySuperMarket – One Day Coverage

How much is a 125cc motorbike insurance uk?

If you own a 125cc motorbike, you will need to have insurance coverage. The price for the 125cc insurance coverage will depend on your circumstances and the type of policy required.

For more information and price comparisons, go here: ComparetheMarket

List of selected motorbike insurance providers in the UK


Below you will find a list with some of the most common motorbike insurance providers in the UK:

Motorbike insurance at MCE

MCE is an independently owned motorcycle insurance provider.

Read more: MCE

Motorbike insurance at Bennetts

Bennetts is a UK specialist for motorbike insurance.

Read more: Bennetts

Motorbike insurance at Aviva

Aviva, one of Britain’s largest insurance providers, offers car, motorbike, travel, and life insurance – along with savings, investments and pensions.

Read more: Aviva

Motorbike insurance at Asda

Asda offers a range of financial products such as a moped and motorbike insurance.

Read more: Asda

Motorbike insurance at Swinton

Swinton Insurance is a UK insurance retailer that was founded in 1957, and has branches located across the UK.

Read more: Swinton Insurance

Motorbike insurance at Admiral

Admiral is a car insurance specialist that offers motorbike insurance.

Read more: Admiral

Motorbike insurance at RAC

RAC is a British automative services company that also offers general insurance for vehicles.

Read more: RAC

Motorbike insurance at Carole Nash

Carole Nash is a a motorcycle insurance broker in the UK and Ireland. They also cover insurance for classic cars and other performance vehicles, like campervans.

Read more: Carole Nash

Motorbike insurance at Hastings Direct

Hastings Direct is a UK personal lines insurance broker service for customers online or via phone.

Read more: Hastings Direct

Motorbike insurance at AA

AA Insurance offers home, contents, and car insurance and is headquartered in New Zealand.

Read more: AA

Motorbike insurance at Direct Line

Currently, Direct Line does not offer moped, scooter or motorbike insurance. Direct Line does offer breakdown cover that does include some coverage for motorbikes.

Direct Line offers home, car, pet and other forms of insurance.

Read more: Direct Line – Breakdown cover

Motorbike insurance at Tesco

Currently, Tesco Bank does not offer moped, scooter or motorbike insurance.

Tesco Bank aims at providing simple and straightforward banking and insurance products that provide good value and reward loyalty.

Read more: Tesco Bank

FAQ


What is the excess on insurance?

Excess is a contribution that you are required to pay towards a claim you make on your insurance policy. An insurer may have many types of excesses that can be applied in different situations. There is also compulsory excess and voluntary excess.

What is compulsory excess on motorcycle insurance?

Compulsory excess on motorcycle insurance is the amount that the policyholder has to pay towards any claim. Sometimes, if you agree to pay a higher compulsory excess the motorbike insurance may be cheaper. For example, you can agree to pay a voluntary excess on top of the compulsory access. However, you do not want to raise the excess so much that it becomes unaffordable because the excess is what you will need to pay in the event of a claim.

Do I have to pay the excess if it is not my fault?

The excess will be paid in the event of a claim regardless who is at fault. However, if it’s proved the accident was the other person’s fault and the full cost is recovered from their insurer, the excess is refunded so you don’t lose out.

Do I have to pay excess If someone makes a claim against me?

Yes, the excess will be paid in the event of a claim regardless who is at fault.

Do I have to pay an excess of a third party claims on my insurance?

No, you do not have to pay excess for a third party claim. You only pay excess for your own repairs or claim.

What is a no fault insurance claim?

No fault insurance, also known as non fault claim, is when the insurer will pay some of all of your medical bills and damage if you get into an accident, regardless of whose at fault.

How much will my insurance go up if I make a claim?

If you file a claim, even a non fault claim, there is a likely chance that your insurance premiums will increase. The amount it will increase depends upon the type of claim, what is being insured and the insurance provider.

How much does your insurance go up after an accident?

The amount your insurance will increase depends upon the type of claim, what is being insured and the insurance provider. Unfortunately, it will increase after an accident, even if you were not at fault.

Do non fault accidents affect insurance?

Yes, non fault claims will still affect insurance even if you are not at fault for the accident.

How much time do you have to report an accident to your insurance company?

It’s important to report the accident to your insurance company as soon as possible after the accident. Make sure to take down the other person’s contact and vehicle information, and document any damage done to the vehicles.

Each insurance company may have different time windows to make a claim, depending upon the type of claim. It’s important to know your insurance company providers time frame for reporting an accident and if you do not know, contact your insurance provider.

What is a no fault state?

No fault insurance state, also known as non fault claim, is when the insurer will pay some of all of your medical bills and damage if you get into an accident, regardless of whose at fault.

Do you have to call your insurance company after an accident?

Yes. Regardless of who was at fault, it is important to notify your insurance provider of any injuries or property damage.

What is meant motor legal protection?

Motor legal protection is available to protect yourself from personal injury or losses not covered with up to £100,000 in legal costs. Some insurance providers, such as Admiral, will also provide a legal help service for any related questions.

Reference


http://www.gocompare.com/motorbike-insurance/basics-of-motorbike-insurance/#8ExmmSgMMg6cFx5s.97
https://www.moneysupermarket.com/motorbike-insurance/fully-comprehensive/
https://www.moneysupermarket.com/motorbike-insurance/classic-motorbikes/
https://www.moneysupermarket.com/motorbike-insurance/groups/
https://www.comparethemarket.com/motorbike-insurance/125cc/
http://www.gocompare.com/motorbike-insurance/basics-of-motorbike-insurance/
https://www.moneysupermarket.com/motorbike-insurance/money-saving-tips/
https://www.moneysupermarket.com/car-insurance/excess-insurance/
http://www.admiral.com/car-insurance/advice/how-the-excess-works.php
http://www.alllaw.com/articles/nolo/auto-accident/no-fault-insurance-claim-work.html
https://www.confused.com/motor-insurance/your-cover/car-insurance-is-claiming-always-a-good-idea
http://www.admiral.com/car-insurance/policy-upgrades/motor-legal-protection.php