Low Cost Motorbike Insurance
Whether you are an experienced biker or just starting out, it's vital to make
sure you get the right bike insurance for you. Thsi website has been specifically
designed by a biker to suit the needs of bikers. We aim to make choosing your
bike insurance policy as easy and as quick as can be, simply by filling in
a simple online quote, and getting the lowest prices for your cover.
Consider the following points when you take out motorbike insurance:
Will all your accessories be covered, such as fairing top boxes and other
permanently affixed accessories?
Are you covered to drive abroad? Most UK insurers will cover you for at least
30 days to European countries.
Do you want Comprehensive insurance or Third Party Fire and Theft?
Do you want other riders covered on your policy?
Would you like accident recovery included?
Protective clothing and helmets are not usually covered under a motorbike
insurance policy, but these can often be covered by your home
insurance policy.
Legal Expenses
Cover
This cover is usually an optional extra but is usually minimal in cost and
covers you for accident expenses not provided for in your motorcycle insurance
policy. It usually includes the following:
- Recovery of policy excesses (the amount you have to pay)
- Compensation for loss of earnings
- Compensation for personal injury
- Compensation for any legal fees incurred upto a certain amount
- A 24 hour legal advice line
- Defence of motoring prosecutions - making an appeal or defending a prosecution
which results from the accident
Also if the accident was entirely the fault of the other person and your bike
cannot be ridden this cover may provide you with a replacement hire vehicle
while your bike is repaired.
Personal
Accident Cover
This is another option designed to cover you for emergency medical treatment
in case of an accident but will not cover you for more serious injuries.
This cover will usually pay out a lump sum in the circumstances such as:
- Accidental death
- Loss of sight
- Loss of a limb
- Loss of speech or hearing
- Permanent total disability
It will also pay out a small amount, typically £50 a day for the time
you spend in hospital after the first 24 hours up to 7 days in total.
The following is an example of what Norwich Union include in their UK insurance
policies, and how their Third Party cover differs from their Comprehensive
insurance.
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