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It is a legal requirement for any person person driving a motorbike on the roads in the UK to have insurance. Driving without insurance can not only result in a heavy fine and the removal of your license but also extreme financial difficulty if you’re involved in an accident or have your bike stolen.

The cost of vehicle loss, damages or injuries to others can total hundreds of thousands of pounds without insurance, an unfeasible amount to pay. Hence the government has made it law, to ensure the protection of all on the roads.

What are the different types of cover?

There are three main types of cover for motorcycle insurance. Each type is designed to suit specific individuals, so make sure you fully understand each cover and choose one that matches your needs, not just the cheapest one.

This is the minimum level of cover, that all UK drivers are required to have by law. If you’re a regular user of your bike and are not restricted by finances it could be worth opting for a more comprehensive cover.

What is covered?

  • Injuries to others, both in your motorcycle and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.

What isn’t covered?

  • Damages to your Motorcycle .
  • Personal injury.
  • If your Motorcycle is stolen.
  • If your Motorcycle is damaged by fire.
This policy offers all the same as Third Party cover as well as claims made against you as a result of an accident, protection of your bike against fire and theft. This is often a popular choice for those who need a bit more cover without the price tag.

What is covered?

  • Injuries to others, both in your motorcycle and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your motorcycle if stolen.
  • Damages to your motorcycle as a result of attempted theft or fire.

What isn’t covered?

  • Other damages to your motorcycle.
  • Cover for your personal injuries.
  • A pay out if your motorcycle is written off.
This is the most complete form of motorcycle insurance you can get, so if you’re looking for top cover, this is the option for you. Comprehensive motorcycle insurance covers you for pretty much everything, except for that outlined in your policy exclusions.

What is covered?

  • Injuries to others, both in your motorcycle and other vehicles.
  • Damages to property or other vehicles.
  • The cost of legal claims against you.
  • Replacing your motorcycle if stolen.
  • Damages to your motorcycle as a result of attempted theft or fire.
  • Damages to your motorcycle.
  • Cover for your personal injuries.

What isn’t covered?

  • There may be some exceptions outlined in your policy exclusions.
Laid up insurance is for bikes that are left in storage. It means your bike is still covered for fire and theft even when it isn’t being used. This type of cover does not cover you to ride your bike during the time of your policy.

What is covered?

  • Damages to your motorcycle as a result of attempted theft or fire.

What isn’t covered?

  • You are not covered to ride your bike during this period.

How can I save on my motorbike insurance?

Your insurance premium is generally based on how likely you are to make a claim and how expensive that claim is likely to be. As a result there are a number of factors involved in deciding your premium, some which you can control and others you unfortunately can’t. Insurers will use the below factors to calculate your premium.

  • Age. Insurers rely on statistics to work out how likely you are to make a claim. Unfortunately for young drivers, those aged 17-25 years old are considered the riskiest age group of them all and therefore are charged higher rates.
  • Your bike. If you’re driving an expensive, powerful, or rare bike expect to pay your insurer a top rate, as the expected cost of repairs will be much higher. Bikes with larger engines will also face higher premiums as they’re more likely to involved in a crash.
  • How secure is your bike? Any security measures that protect your bikes from being stolen will drive down your premiums. Whether you store your bike in a garage or have anti-theft tools such bike locks, and ground anchors be sure you notify your insurer as you could be entitled to a discount.
  • Where you live. Your postcode is likely to impact the cost of insuring your motorbike. Living in an urbanised area will raise your premium due to a greater risk of accident, as will living in an area with higher levels of theft.
  • How to use your bike. Most insurers will require to know when you use your bike and how often. If you typically ride your bike at busier times of the day, such as on your commute to work expect to pay a higher rate. As well as this the more time you spend on the road the more your likely to pay, as your chances of being involved in an accident are greater.
  • Your riding history. Your claims history is one of the most significant ways insurers calculate your insurance premium. If you have points on your license or have recently made claims you’ll be charged a higher rate. Securing a no-claims bonus is a key way to save on your insurance.
  • Your excess. Generally speaking, the higher the voluntary excess you sign up for, the less your insurance will cost. This is because if you do make a claim your insurer will have to pay the full amount.

How to claim if you’ve had an accident

If your involved in an accident and would like to make a claim, keep the following tips in mind to help the process run smoothly.

  • The scene of the accident. First of all, never admit that you were to blame for the accident. You should make a note of the names, contact information and registration numbers of the other people involved in the accident. If a police report has been conducted, be sure to make a note of the report number.
  • Before you make the claim. Consider all the consequences that might arise as a result of making a claim. You’ll need to review your insurance policy and check up on any excess obligations you may have, as well as the impact of loosing your no claims bonus.
  • Making a claim. You must give the insurance company complete and accurate information surrounding your accident as clearly and as quickly as possible.
  • Fill out a formal claim form if necessary. If available, provide as many supporting documents as possible and make sure that the insurance company acknowledges that your claim was received. Next, you’ll have to answer any questions that are relevant for the assessment of your claim. Finally to ensure everything goes smoothly and you a solution as quickly as possible, make sure you stay up to date with how your claim is progressing.

Still have questions? The answer may be here …

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