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Motorbike Insurance Faq's

Contents

Why can't I find my motorcycle's make & model?

If you cannot find your motorcycle's make and model details, please contact our team on 0800 99 1066 who will be happy to help you. (calls may be recorded and/or monitored)

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Can I get immediate cover?

Yes, providing you have a credit or debit card we can issue you with immediate cover, subject to normal terms and conditions. Please note that if you choose to pay by Direct Debit we will require a deposit from you, payable by credit or debit card and you will need an account that supports the Direct Debit facility.

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What is an excess?

An excess is an amount you may pay when making a claim, however if the claim was not your fault, you may recover your excess from the party at fault. Any excesses, which apply, are displayed on your motorcycle insurance quote summary.

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Can I have more than one motorcycle on my Hastings Direct policy?

You can insure more than one motorcycle through Hastings Direct. You need to take up a different motorbike insurance policy for each vehicle.

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Do I need to report any car accidents when obtaining my motorcycle quotation?

Any car accidents are considered separate from your motorcycle policy, and therefore do not affect your motorcycle policy. However, any motoring convictions do need to be reported by calling our team on 0800 99 1066. (calls may be recorded and/or monitored)

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Which security devices can help to reduce my motorcycle premium?

We recognise some manufacturer fitted devices which were fitted at the time your motorcycle was produced. You can confirm whether this applies to your device by checking your motorcycle details for a manufacturer's approved certificate.

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What happens if I have an accident?

If you buy comprehensive motorbike insurance cover, we can arrange for your vehicle to be recovered, and you and your passengers taken home or to your destination. You don't need to worry about estimates. If your motorcycle needs repairing, we instruct our own approved repairers. Any repairs and payments are settled directly with our repairers.

If you have a third party fire and theft policy you are covered for third party liability.

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What happens if I need to make a claim?

Contact our free phone claims service on 0844 800 3844. (calls may be recorded and/or monitored) An incident manager will record details of the incident and begin to sort out your problem immediately. There are no forms to fill in, the incident manager confirms what you are insured for, and any excesses you need to pay and will discuss the steps involved in making your claim.

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What is legal cover?

Our legal cover provides legal advice and assists in recovering uninsured losses (such as excess), medical losses or loss of earnings. We will provide up to £xx for legal costs to pursue a case, and up to £xx worth of cover to defend against any motoring prosecutions (N.B. excluding drink/drug-related offences).

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What can I do online?

You can obtain a motorcycle insurance quotation and buy your policy online. We can also offer you extra legal expenses cover and personal accident cover should you need it.

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Can I ride abroad using my policy?

You are automatically covered to drive in any European Union countries, to the minimum level of insurance required (usually the equivalent of UK third party only). You can upgrade this cover to match your UK cover whilst driving abroad.

If you take this extra Foreign Use Cover it is valid for up to 30 days in any one trip.

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Do I need "business use" to ride to work?

No, under our motorcycle insurance policy you can ride your motorbike back and forth to the same place of work using social, domestic and commuting cover.

If you need to use your motorcycle to visit any other sites of business during the working day, we can increase your cover. We will not however cover any goods or samples carried in connection with business use e.g. courier or delivery services.

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Are my helmet and leathers covered on this policy?

Unfortunately we are unable to cover your protective clothing and helmet on your motorbike insurance policy although your household insurance policy may cover these items.

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Is it safe to use my credit/debit card on your site?

Hastings Direct appreciates the importance of protecting your personal information from possible security risks, and therefore any personal information entered in our online quote form is protected using SSL encryption technology. This works with your Internet browser to protect the data.

For a number of credit and debit cards we require a Card Security code (also known as CVV2 or Card Verification Value), which is a three digit number on the signature strip of your card. You may also, depending on the card you have chosen to use, be asked during the payment process to provide a secure password (MasterCard SecureCode or Verified by Visa) which provides extra protection from online fraud.

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Can I get instant cover with Hastings Direct?

If you pay by either a Credit or Debit card online, Hastings Direct can provide you with instant motorcycle insurance cover.

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Can I pay monthly with Hastings Direct?

Yes you can, our usual terms and conditions will apply.

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up to 10% discount on your insurance

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