As you would expect, given that bikers use their motorcycles in a range of different contexts, there is a similarly broad range of options out there to compare motorcycle insurance from when searching for the best motorcycle cover.
As with most purchases, it is important to avoid simply looking for the cheapest deal when insuring your motorcycle, but instead, it is wise to compare motorcycle insurance for the best deal. With the sheer range of options available, in order to compare motorcycle insurance packages, you need to have quite a bit of information to hand. Once you have entered your details into the Bright Compare motorcycle insurance comparison tool, our advanced comparison software will suggest the best and most appropriate level of cover to suit your needs and will show results from leading providers.
Below we have put together a list of some of the most frequently asked questions for those looking to compare motorcycle insurance quotes.
Firstly, you need to provide details about you and your motorcycle, including where it is kept at night and the registration number. Your riding and claims history is also necessary here, including any endorsements on your license to compare motorcycle insurance.
You should also provide details about how you use your bike, whether it is for social purposes, your commute to work or business use. Business use is also essential if the bike is used to make deliveries, which will often add more miles and time on the bike than ordinary business use.
Next is your annual mileage, accounting for any additional miles you may notch up during the summer when the weather is favourable.
Finally, you need to provide details of any additional riders who may use the bike, as well as their claims history, together with your best estimate of the current value of your bike.
There are three main levels of cover available to riders, from comprehensive, through third party, fire and theft (TPFT), and third party only (TPO). Let’s take a look at the difference between these policy types.
As the name suggests, comprehensive cover is the most extensive cover available for your motorcycle and very important when you start to compare motorcycle insurance. Taking out comprehensive cover will ensure that any damage to your motorcycle as well as any third party is covered if you cause an accident. Additionally, comprehensive cover will protect your vehicle if it is damaged in a fire or is stolen. You should also be given the cost of a replacement motorbike if yours is written off.
Comprehensive cover is almost invariably the most expensive type of motorcycle cover available, but this reflects the fact that it covers all eventualities, including covering medical expenses in the event of causing injuries to others.
TPFT covers the damage to other people or their vehicles if you are at fault in an accident. What makes TPFT different from comprehensive cover is that damage to your own bike will not be covered by the insurance should you be at fault. Under these policies, your bike will be covered if it is stolen or damaged in fire or even during an attempted theft.
TPO is the legal minimum level of cover required for you to ride on UK roads. This level of cover will only pay for damage caused to other people’s vehicles if you cause an accident, as well as covering expenses for any injured parties. It is important to underline the point here that TPO cover will not cover your motorcycle for theft or any other form of damage, TPO will only cover third parties.
Motorcycle use is so varied: some bikers only use their vehicles for pleasure, whilst others are on their bikes during their entire working day, with most others falling somewhere between the two extremes.
As such, there are a range of different options available when you start to compare motorcycle insurance to upgrade cover to include non-standard items. When making a motorcycle insurance comparison, it is vital to know what is a core part of each individual policy and which options are additional extras. In the case of additional extras, you should only really select options which you are going to use, otherwise your policy premiums will end up needlessly inflated.
Let’s take a look at some of the additional options available to bikers with many current insurance policies.
Whilst many people use one of the national breakdown recovery services for this, an increasing number of insurers offer cover as an added option on policies. Breakdown cover will offer assistance if your bike stops working at the roadside or at home. Basic fixes may be completed in situ, with transport to a garage offered if it cannot be fixed on the spot. Check options here to see if you are covered at home, or due to misfuelling.
If you are likely to use your motorcycle abroad, you can add travel cover to your policy. Some restrictions as to countries will apply, as well as the potential for limitations on the number of days you are covered when riding abroad.
A good set of leathers and a helmet are expensive. Protective clothing can be insured as part of your policy, to cover against damage for these vital pieces of kit. Theft is unlikely to be covered, and policies often cover around £1,500 worth of clothing. Check policy details fully before you buy.
You will need to buy pillion cover if you carry passengers. This is the case even if you are only carrying passengers occasionally. Similarly, riders must have a full moped or motorcycle license in order to legally carry a passenger. It is forbidden for provisional license holders to carry passengers under any circumstances.
If your no claims discount has been built up over many years of diligent driving, you can protect this by paying a little extra. If you have protected your no claims discount, you will not lose it if you have to claim. The amount of no claims discount you can protect will vary between insurers.
Yes. Motorcycle insurance is offered by many different insurers, and an online comparison is a great way to quickly see the cost of cover from each insurer. Simply provide some key details about your bike and usage, and compare the prices.
Absolutely! All you need to do is provide some key details about you, your riding habits and your bike, and our smart comparison technology will do the rest. Choose at your leisure from a range of quotes and get the best deal for you.
Comparing motorcycle insurance online is a quick and easy way to get quotes from a range of insurers, so you can choose the best deal for your needs. Simply enter a few details into our comparison technology, and we'll do the rest.
Yes, all you need to do is enter your details into our comparison technology and the results will come rolling in. We will need a few details about you, your riding habits and your bike to make the comparison, and provide you the quotes.
Of course, there is no age limit to using our comparison tool to get the best deal on motorcycle insurance. All you need to do is enter a few details about yourself and your riding habits and select your preferred deal from the options.