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Coronavirus update Last updated 9th July 16:00

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In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

Hastings Direct.
i

Coronavirus update Last updated 9th July 16:00

Show more

  • We hope you and those close to you are keeping safe. Our teams are now working from home so we're very sorry if you notice the sound quality isn't as good as usual or you experience periods of silence. We're working hard on improving this so please bear with us.
  • Please help us prioritise urgent calls by only phoning us if you want to discuss your renewal or you're thinking of cancelling your insurance, or you're in financial difficulties and you're worried about payments, or you're an NHS or frontline healthcare worker.
  • For anything else, you can now manage your policy online. For latest advice and help to use our online tools, read our Coronavirus FAQs.

In line with guidance from the Government and to help look after our colleagues, most of our team are now working from home and are taking calls. However, waiting times are longer than normal and the quality of the call may not be as clear as if we were talking to you from our call centre. We're committed to supporting you in the best way we can and will be here throughout to keep you updated so make sure to check back regularly.

At this time, please help us to prioritise essential calls by using our online services.

  • If you're a car customer you can use MyAccount or the app to make policy changes or payments, including changing your payment date, checking your documents or to report or track a claim (MyAccount only).
  • If you're a home, bike or van customer, you can make policy changes or requests using our online forms.

If you do phone, we may only be able to deal with your query if:

  • Your policy is due to renew and you're concerned it's no longer suitable for you or you're thinking of cancelling your insurance, or
  • You are worried about making future payments, or
  • You're in a vulnerable situation or an NHS or frontline health care worker who can't easily access our online services, or
  • You need to make a claim and your vehicle is un-driveable or if you need urgent roadside assistance.

For all other queries, including buying a new policy, please first read our Coronavirus FAQs for the latest advice and help to use our online services.

Our opening hours have changed to: Monday to Friday 9am-6pm and Saturday 10am-2pm.

Read our Coronavirus FAQs

How to get cheaper motorbike insurance

Insurance for Motorbikes, Motorcycles, Mopeds and Scooters.

Whether you're a newbie to the world of motorcycles or a seasoned rider, finding the right cover at an affordable price can be something of a challenge. But choosing the cheapest policy is not the most advisable course of action, these tend to be the most basic and might not include all the features you'd want should the worst happen.

The choice of cover out there can be overwhelming, so we've put together this handy guide to help you get the best cheap bike insurance that suits your needs, without burning a hole in your wallet.

1. Consider the cover you need

To decide what type of cover is most appropriate for your needs, it's important to understand the three types of motorcycle insurance policies available:

Third party only insurance (TPO) is the minimum cover required by law. It will cover you if you're found to be at fault in an accident that causes injury to another person or damage to their property. This level of insurance won't pay out for any repairs to your own motorcycle or any injuries you sustain.

Third party, fire and theft (TPFT) offers the same deal as above plus additional cover for theft and any damage to your motorcycle in an attempted theft or in the event of a fire. Again, this level of insurance won't cover you in the event of personal injury.

Comprehensive cover offers a range of additional benefits such as personal injury insurance, accidental damage to your motorcycle and even a replacement bike if yours needs to be fixed. Make sure to check the small print of your policy as there's likely to be a list of exclusions; not all comprehensive motorcycle insurance policies are the same.

2. Choose a less expensive or smaller motorcycle

Choosing a less expensive, smaller or older model of motorcycle could be cheaper to cover than a modern machine with a powerful engine. Unless it's a particularly unusual or rare bike, these types of motorcycle are usually cheaper to repair and replace.

3. Invest in motorcycle security

Investing in excellent security protection for your pride and joy can help lower your insurance premium. A Thatcham approved electronic alarm is considered to be one of the best security measures for deterring motorcycle thieves. A sturdy immobiliser and parking your machine somewhere safe overnight can also have a positive impact on the amount you pay.

4. Consider who rides your bike

If you need to insure other riders on your motorcycle, you can expect the premium to be affected. But it isn't always bad news for your bank balance. It will cost you more to add a young, inexperienced rider to your cover, but insuring an older or experienced rider might actually save you money. Always be honest with your insurance provider about who will be riding your machine, or there could be serious implications should you need to claim.

5. Consider the excess

The excess is the amount you need to pay in the event of making a claim before your insurance cover kicks in. This is something you should always check in the small print of your policy and consider with care. Should you choose to pay a higher excess, it's likely your premium will be lower. Try to think about what would seem like a reasonable sum to part with should an unfortunate incident occur.

6. Think about how you use your motorcycle

When you book your motorcycle insurance, you'll need to let the provider know how you use your motorcycle. If you use it for social and leisure activities such as visiting friends or popping to the shops, you'll find the cost of insurance is considerably lower than if you use it for your daily commute or as part of your job.

7. Build up your no claims discount

The longer you last without making a claim on your insurance, the more likely it is you'll be eligible for a low rate. Of course, this isn't something you can necessarily control should an accident occur. But if the damage doesn't involve anyone else and it's relatively minor, you might prefer to pay for the repairs yourself rather than risk your no claims bonus. If this is something you are considering, check the small print of your policy as some insurers might stipulate that any incident that could potentially lead to a claim must be disclosed. If in doubt, always double check.

8. Make sure you're getting the best cover

Look for a reputable brand that you know you can trust, like Hastings Direct, so you can be sure your money and your motorcycle are in safe hands. That way, all you need to do is sit back and enjoy the ride.

Bike insurance

Great value bike insurance with flexible extras. Tailor your cover to suit your needs and budget - leaving you free to enjoy the open road.

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