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Motorbike Insurance Explained
The cost of motorbike insurance depends on a number of details about your motorbike and you. A bike with a powerful engine will generally command a higher premium. Nevertheless, your motorbike insurance quote doesn’t need to be expensive as there are other factors that could bring down the cost of your insurance premium.
You could lower your motorbike insurance quote by keeping it in a secure garage or locked up when it’s not being used. Also, being accurate with your mileage could help to reduce your premium.
You’ll also be rewarded for riding safely; a clean licence and a good riding record could reduce what you pay now and in the future.
What kind of motorbike insurance do I need?
The type of motorbike insurance you need depends on the level of cover you want. We offer three levels of insurance:
The most basic (and usually cheapest) level of motorbike insurance is third party only which, as you would expect, provides the most limited but essential cover. If you are involved in an accident and another person is injured or their vehicle or property is damaged, then your insurer will be liable for the costs incurred to compensate for their losses.
Third Party, Fire and Theft
The next level of cover up is third party fire and theft, which takes the basic cover of third party only and includes an extra layer of cover should your motorbike be stolen; or if it is damaged while being attempted to be stolen or catches fire.
The most extensive type of cover; fully comprehensive motorbike insurance provides peace of mind for almost every eventuality. The major difference to third-party cover is that you can claim for damages or losses to your own vehicle as well as others, regardless of whether it’s your fault or not.