Few things beat the freedom of riding a motorbike. But whether you're a Harley fan, prefer tourers or own a sportier set of wheels, you need quality bike insurance to enjoy the open road.
Here's all you need to know about insurance for bikes...
Why choose Hastings Direct bike insurance?
We provide two levels of bike insurance so you can make sure you get the right cover for your needs.
|Comprehensive policies only||Hastings|
|90 days of EU cover each trip abroad per trip|
|Multi bike - savings on additional bikes|
|Uninsured driver promise|
|24/7 claims helpline|
|Defaqto 5 Star rated cover|
|Helmet and leathers cover|
|£100,000 of legal cover|
Hastings Direct also offers a range of optional extras, such as personal accident cover, breakdown, helmet & leathers and legal protection, which you can easily add to your motorbike policy. Limitations may apply to these products.
What is motorbike insurance?
Simply put, motorbike insurance is just like car insurance, but for bikes. If you or someone else is injured in an accident, or your bike's stolen or damaged, the right level of insurance will cover the associated costs and help you get back on the road.
What are the types of motorbike insurance?
There are three main types of insurance for a motorbike: third party, third party fire and theft, and comprehensive.
- Third party is the most basic level of insurance and covers the third party and their property in the event of an accident. Your bike won't be covered if it's stolen or damaged.
- Third party fire and theft offers the same level of cover as third party, plus your bike is protected if it's stolen or damaged/destroyed by fire.
- Comprehensive insurance provides the best level of protection, packing all the benefits of third party insurance and covering you and your bike if you're injured in an accident or your bike is damaged/destroyed or stolen. It'll pay out for accidents even if you're found to be at fault.
Comprehensive motorbike cover might cost more, but you're paying for added protection – which for many bikers is worth it.
Do you need insurance on a bike?
Yes – if you ride a bike on public roads, you need to have it insured. Third party insurance is the minimum level of cover required by law.
How much is motorbike insurance?
It's impossible to say how much bike insurance will cost you, as it depends on a wide range of factors. These include everything from your age and riding record, to what you use your bike for and where you live.
The type of bike you ride is a big factor, too. The more powerful your machine, the higher the risk of accidents – and insurers balance out this risk by charging higher premiums. So, you might find insurance for a moped is far cheaper than for super-quick sport bike.
Classic bikes usually cost more to insure than newer models too, especially if they're rare, because parts will be more expensive to get hold of.
How can I get cheaper bike insurance?
You can't change all factors that affect the price you pay for insurance on a motorbike, but there are some ways you can cut the cost of cover. These include:
- Boost your bike's security. Fitting an immobiliser on your bike or storing it in your garage overnight could lead to cheaper insurance.
- Pay for cover annually. You'll usually pay interest if you pay your premium in monthly instalments, so you could save cash paying for it in one lump sum.
- Improve your riding skills. Gaining an advanced qualification could lead to cheaper cover so long as it's recognised by your insurance provider. These include things like a BikeSafe certificate, Enhanced Rider Scheme and RoSPA Advanced Motorcycle Training.
- Buy a less powerful bike. Just about to buy your first set of wheels? Opting for a less powerful bike will lower your premium – not to mention, it's safer to start off on a slower bike.
- Increase your excess. Raising your excess usually results in cheaper cover, but you need to be sure you can afford to pay it if you were to claim on your policy.
Can you insure two bikes on one policy?
Do you own more than one bike? Perhaps you ride one bike to work and save the other for Sunday cruises. If so, you could save money by covering both machines under a single multi bike policy.
Unlike a multi car policy, it only covers you, the main rider – and only allows for one bike to be on the road at any given time. That's why the cost of cover is usually cheaper, and it'll be easier for you to manage too.
All motorbikes are grouped in terms of their power and value, with most bikes falling under groups 3-17. If you've got a bike in a lower group, then under a multi bike policy, it could balance out the cost of cover for a higher group bike.
How do I claim on bike insurance?
If you've been involved in an accident or had your bike stolen and need to make a claim, you should find all the details you need in your insurance documents sent over to you by your provider when you took out cover.
Motorbike insurance with Hastings Direct
Hastings Direct offers two levels of bike insurance so you can make sure you get the right cover for your needs.
Each policy features a great range of benefits as standard, including 90 days of EU cover per trip, discounts for advanced riders and the option to protect your no claims. We also offer a number of extras, including up to £750 worth of helmet and leathers insurance, bike legal expenses and bike breakdown cover.
Hastings Direct motorbike insurance doesn't cover pillions as standard, but you can request pillion cover as an optional extra provided you hold a full motorbike licence.
Get a bike insurance quote today and see how much you could save.