Be Wiser – Motorbike Insurance

Posted by on Oct 17, 2011 in BIKE INSURANCE, INSURANCE | 0 comments

How can shopping for motorbike insurance be different?

Just as motorbikes are visually very different vehicles to cars, so can the things that need consideration when searching for insurance.

As there are less people who choose this mode of transport than cars, the firms who offer cover can be more specialised in the policies they offer.
On the face of it, the principles can be very similar – the purpose of the cover is for instances of theft, damage and recovery.

However, unlike with autos, because bikes are freestanding – and can be easily mounted if parked on the street – many companies can specify proper anti-crime measures have been accounted for, such as locks.

Some policies can cover people for riding other bikes, perfect for those who attend rallies or festivals.

Others can offer protection for riding abroad, which could again be useful if the bashes are being held on foreign soil.

As you may expect, some models can attract higher premiums – especially if they are more powerful and can achieve faster speeds.

Which bike is being insured, it can be important to shop around to make sure you get the best deal.

Please read carefully

To speed up the process of your online quotation, please confirm that the conditions below are correct.

  • All riders are permanent residents of the United Kingdom and do not have more than one occupation.
  • All riders are legally entitled to drive the motorcycle in the UK and have a valid licence to do so.
  • None of the riders have any medical conditions which must be legally disclosed to the DVLA.
  • None of the riders have any non-motoring convictions unspent under the Rehabilitation of Offenders Act e.g. theft, dishonesty, or fraud.
  • None of the riders have ever had insurance refused, cancelled, voided, or special terms imposed on any insurance policy.
  • The motorcycle has not been modified in any way from the manufacturer’s standard specification.
  • The motorcycle is not registered as a Q plate.
  • You own the motorcycle and it is registered in your name. The motorcycle will be kept at your home address.
  • Helmet & Leathers – Excess payable £50.00. Maximum of £1000 will be paid out.
  • Personal Accident – Only covers you between the ages of 18 and 70 .
  • RAC Roadside Assistance – all cover will commence 48 hours after purchase date. This product will only cover the specified bike.
  • Leather clothing, helmet, boots and gloves covered up to £1,000. Damage to motor cycle clothing as a result of a motor accident and if your clothing is beyond repair they will replace in the same form or style.
  • Personal Accident cover is also included for death, loss of limb, loss of sight, disablement as a result of the accident (up to £10,000). Plus £250 for emergency dental cover.
  • Helmet & Leathers and Personal Accident cover is underwritten by Fortis.
  •  RAC Roadside Assistance cover, 24/7, anywhere in the UK (Excluding Northern Ireland) over ¼ of a mile from home address, 365 days a year.- Repair referral and free tow to RAC approved garage (within 10 miles) where you’ll get priority attention.
    - Taxi fares of up to 20 miles from breakdown if vehicle cannot be repaired.