Do you enjoy touring Europe on your motorbike? MotorCycle Direct offers the standard levels of motorbike cover and says it includes three, 30-day European trips a year with no extra charge. It also claims to cover the 16 most common modifications as standard and up to five riders on one policy. We’ve checked out this insurance broker and here’s what else you should know.
Since 1997, MotorCycle Direct has been sourcing specialist motorbike insurance for riders and a range of bikes such modified, imported or classic bikes.
The insurance broker can also source policies based on the motorbike manufacturer and model type, from a Honda to a Harley.
MotorCycle Direct offers the three standard types of motorbike cover but these policies can be customised to suit you.
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.
MotorCycle Direct offers specialist cover, including:
MotorCycle Direct also courses cover for a range of different bikes, such as:
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | ✓ | ✓ | |
| Accidental damage | ✓ | ||
| 90 days EU cover (maximum of 30 days per trip) | ✓ | ✓ | |
| 16 standard modifications cover | ✓ | ✓ | ✓ |
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 MotorCycle Direct.
Check your policy details carefully to ensure you have the right cover for your needs.
MotorCycle Direct offers a range of optional extras to provide increased protection in certain areas. Some of the additional cover options to bolt onto a MotorCycle Direct policy are:
Any motorbike cover offered by MotorCycle Direct is likely to become invalid if any of the following arises:
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.
You can call MotorCycle Direct on 0344 800 09888 to register a claim. This 24-hour claims line is open 7 days a week.
Along with your policy and personal details, MotorCycle Direct recommends you have the following information to hand before calling:
It’s vital that you let your insurer know about an incident within 24 hours, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
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