Do you have a bike (or two)? We’ve analysed motorbike cover through Brightside Insurance. It offers specialist policies for modified or multiple bikes, and claims to give customers a reasonable rate for multiple riders.
Struggling to find the right cover for your modified motorbike? You’ll find standard cover levels through Brightside Insurance and this broker says you won’t pay extra for European trips or for carrying pillions. Here’s what else we think you should know.
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Who is Brightside Insurance?
Brightside is an independent insurance broker that provides separate bike, car and van insurance as well as a range of other personal and commercial products such as taxi, pet and landlord insurance.
Brightside started out as a specialist van insurer in 2001, and has expanded over the years to offer a range of products through several different brands, including Brightside Insurance, Commercial Vehicle Direct, One Insurance Solution, Pro-Sport Insurance and AXA Specialist Risks.
The bike and car insurance offered through this broker was previously known as eBike and eCar insurance but has since rebranded to Brightside, which is a trading style of Brightside Insurance Services Ltd.
What are Brightside Insurance’s levels of cover?
Brightside offers the three standard types of motorbike cover:
This is the legal minimum level of cover required in the UK. It 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
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 types of motorbike insurance are available?
- Gap insurance. Protects the value of your motorbike if it’s a total write off and could pay either the difference between the insurance settlement or the outstanding balance from the finance agreement.
- Multi-bike insurance. You can insure more than one bike on the same policy.
What is covered under my policy?
|Cover benefits||Third party||Third party, fire and theft||Comprehensive|
|Liability to other people||✓||✓||✓|
|Fire and theft||✓||✓|
|All foreign (including EU) travel cover||✓||✓|
|Pillion cover (only if the policyholder has a full UK licence)||✓||✓||✓|
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 Brightside Insurance.
Check your policy details carefully to ensure you have the right cover for your needs.
In addition to the standard levels of cover, Brightside Insurance can also provide a range of additional protection to add to your policy, including:
- RAC breakdown cover
- Legal expenses cover
- Helmet and leathers cover
- Excess protection
There are a few exclusions that Brightside Insurance has for its policies. Your cover is likely to become invalid if any of the following arises:
- 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 use your motorbike at rallies, races or competitions.
- You get paid to carry pillions.
- 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.
How to save on your car insurance policy through Brightside
- 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 car and your driving experience.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Brightside Insurance?
You should call the Brightside Insurance bike claims line on 0333 130 0489. This is a 24-hour claim line open seven days a week. You’ll need to provide:
- Your insurance policy number
- Your contact information
- Details about the incident
- Details of any third parties involved
- Eyewitness details
- Crime reference number, if applicable
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.