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...
We provide two levels of bike insurance so you can make sure you get the right cover for your needs.
|90 days of EU cover each trip abroad per trip|
|Multi bike — savings on additional bikes|
|Protected no claims discount available *;|
|Discounts for advanced riders|
|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 and legal protection, which you can easily add to your motorbike policy. Limitations may apply to these products.
*; Protected no claims discount and uninsured driver promise applies to policies underwritten by Advantage only. Terms and conditions apply, please see your policy wording for details.
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.
Our bike insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.
There are three main types of insurance for a motorbike: third party, third party fire and theft, and comprehensive.
Comprehensive motorbike cover might cost more, but you're paying for added protection – which for many bikers is worth it.
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.
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.
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:
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.
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.
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, key cover 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.