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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.
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.
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.
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.
|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.
Bikesure says it has a wide range of schemes to insure almost every bike through specialist policies:
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:
Any motorbike cover offered by Bikesure is likely to become invalid if any of the following arises: [please use red crosses]
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.
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.
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