Looking to cover your unusual motorbike for an off-road adventure? Here’s our analysis of the specialised motorbike insurance on offer through Bikesure.
If you’ve just purchased a motorbike from a make that no-one has ever heard of, Bikesure claims to use its biker knowledge and experience to provide you with an affordable quote to protect it. This broker says it offers tailored policies to suit an extensive range of riders and their bikes. Here’s what you should know.
Who is Bikesure?
Bikesure is the specialist motorbike division of an insurance broker called Adrian Flux. Bikesure was set up in 1990 offering tailored insurance for practically any bike including scooters, supermoto and streetfighter bikes.
Adrian Flux was founded in 1974 and sources personal insurance policies for a wide variety of vehicles including cars, vans, motorhomes and motorbikes. Chartwell Insurance, a specialist broker for disabled drivers, also trades as part of Adrian Flux Insurance Services.
What are Bikesure’s levels of cover?
Bikesure offers the three standard types of motorbike cover but these policies can be customised to suit you.
The legal minimum level of cover required in the UK, third party protects you if your motorbike is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover is the costs related to repairing your bike or medical bills relating to personal injuries.
Third party, fire and theft (TPFT)
You’ll get protection if you’re in an accident that damages or injures a third party and their property, and you’ll have cover if your bike is destroyed by fire or even stolen. Be aware that although this provides slightly more cover, you still won’t have any protection for damage to your bike or personal injuries after an accident.
You’ll get the most cover with this. It provides the same protection as third party fire and theft but it will cover your bike if it’s damaged after an accident, provide money for a new bike if yours is declared a write off and cover you for any personal injuries. It’s always worth checking the cost of comprehensive as it can be cheaper than TP or TPFT.
What is covered under my motorbike policy with Bikesure?
|Cover benefits||Third party||Third party, fire and theft||Comprehensive|
|Liability to other people||✓||✓||✓|
|Fire and theft||–||✓||✓|
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Bikesure.
Check your policy details carefully to ensure you have the right cover for your needs.
What type of motorbike insurance is available?
- Agreed-value bike insurance. If your motorbike is written off, Bikesure will offer you an amount based on what you have agreed rather than the market value.
- Multi-bike insurance. Bikesure can cover all your motorbikes through one policy.
- Young rider insurance. Bikesure will offer discounts to young riders that complete advanced riding qualifications.
- Convicted rider insurance. Bikesure offers cover for riders with an imperfect riding history.
- Ride-any-bike insurance. Bikesure offers comprehensive cover for the policyholder to ride other bikes.
- Short-term insurance. Bikesure will cover riders from one day up to three months.
Bikesure says it has a wide range of schemes to insure almost every bike through specialist policies:
- 125cc bike insurance
- Adventure motorcycle insurance
- Bicycle insurance
- Buggy Insurance
- Chinese Scooter insurance
- Classic bike insurance
- Cruiser insurance
- Custom bike insurance
- Dual sport motorcycle insurance
- Electric bike and scooter insurance
- Enduro or off-road insurance
- Harley Davidson insurance
- Laid-up bike insurance
- Monkey bike insurance
- Moped and scooter insurance
- Motorbike trailer insurance
- Motorbikes insurance
- Motorcycle courier insurance
- Motorcycle insurance in Northern Ireland
- Norton motorbike insurance
- Pit bike insurance
- Quad bike insurance
- Specialist impounded bike insurance
- Streetfighter insurance
- Superbike insurance
- Supermoto insurance
- Touring insurance
- Trike insurance
Bikesure offers a range of optional extras to provide increased protection in certain areas. Some of the additional cover options to bolt onto a Bikesure policy are:
- Motorcycle breakdown cover
- Legal expenses and replacement vehicle cover
- Legal defence cover
- Helmet and leathers cover
- Personal accident cover
- Excess protection
- Key cover
Any motorbike cover offered by Bikesure is likely to become invalid if any of the following arises: [please use red crosses]
- You change the use of your motorbike from its original use. For example, changing from social, domestic and pleasure to business use.
- Your motorbike is being used by an unnamed rider on your policy or by a person that does not have a valid motorcycle licence.
- You fail to pay for your premium.
- You change your motorbike during the policy term to a motorbike that the insurer cannot cover.
- You do not provide the correct documents to support your application.
- Check your policy for further details to confirm your cover is valid.
How to save on your motorbike insurance policy through Bikesure
- Increasing security. If your motorbike is not currently fitted with an alarm, think about adding one to reduce your premium.
- Having a secure location to park your motorbike. Motorbikes kept in a garage or on a secure driveway are usually cheaper to insure.
- Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
- Fewer riders. Only add riders to your policy that regularly ride your motorbike
- Ride safely. Safer drivers spend less on motorbike insurance – a history of speeding tickets or claims against your insurance will increase the cost.
- Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
What is my excess?
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Bikesure?
Bikesure’s claims handler is 4th Dimension, which specialises in motorcycle claims. You can call 4th Dimension on 0344 381 4410 to register a claim. This 24-hour claims line is open seven days a week.
You will need to provide your policy details, personal contact details and information relating to the incident and claim.
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
Frequently asked questions
*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don’t answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.
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