Motorcycle
Insurance Frequently Asked Questions
Can I have More Than One Motorcycle on my Insurance Policy?
You
can usually insure more than one motorcycle through your insurance
company. But you need to take out motorcycle insurance for
every bike. On some policies you can name up to four riders
on each policy. But check your motorcycle insurance schedule
for any excesses which may currently apply.
What Does “Excess” Mean?
Excess
is an amount of money that you may pay when making an insurance
claim but if the claim was not your fault, you can recover
the excess from the party at fault. Any excesses which apply
to you are displayed on your motorcycle insurance policy.
Will I Have to report any Car Accidents when Applying for
a Motorcycle Quotation?
Car
accidents are usually considered separat from your motorcycle
cover, and normally do not affect your bike insurance. But
insurance companies do need to know about any motoring convictions.
What Do I Do If I Have An Accident?
If
you take out comprehensive motorcycle insurance your company
can usually arrange for your bike to be recovered, and you
and your passengers taken home or to your destination. You
will not have to worry about estimates. If your bike needs
repairing, insurance companies now instruct their own approved
repairers. Any payments and repairs are carried out directly
with the insurance companies’ repairers. If you have
third party fire and theft insurance you are covered for third
party liability.
Can Security Devices Help to Reduce My Motorcycle Insurance
Premium?
Some
manufacturers fit devices at the time your bike was produced.
You can check this by contacting your manufacturer for an
approved certificate.
Am I Covered for Riding My Motorcycle Abroad?
With
most motorcycle insurance policies you are covered to ride
in any European Union country, to the minimum level of insurance
required (this is usually the equivalent of United Kingdom
third party only). You can usually upgrade your insurance
cover to match your UK cover when you are driving abroad.
You can usually select European Breakdown which includes Breakdown
cover and Emergency service.
Are my Leathers and Helmet Covered in an Insurance policy?
Most
insurers cannot cover your helmet and protective clothing
but your house insurance may cover these.
If I leave My Keys in the Motorcycle Am I Still Covered?
If
you happen to leave your keys in or on your bike and it is
stolen, your motorcycle will not be covered. Remember to always
to take your keys with you or make sure that someone stays
with the motorcycle or it might be an expensive couple of
minutes!
When I Ride to Work Do I need to be Insured for "Business
Use"?
Under
most motorcycle insurance policies you can ride your bike
to and from work using social, domestic and commuting cover.
If you need to use your bike to visit any other sites of business
you can increase your insurance cover. But some insurance
companies will not cover any goods or samples carried in connection
with business use for example delivery or courier services.
Can I ride My Friends Motorcycle Under My Own Insurance?
Driving
Other Motorcycle is an extension that has allowed Policyholders
only to ride other motorcycles that do not belong to them
and are not hired to them under a hire purchase agreement,
this is subject to the owner's permission. The insurance cover
provided is only Third Party and does not cover damage to
the bike they are riding, but it does cover liability for
damage and injury to third parties. This cover usually operates
only while the Policyholder is riding and was originally designed
to be used in an emergency.Many riders do not understand the
extent of this insurance cover and many are utilising it without
understanding the true cover this extension provides. Some
insurance companies have now removed the extension from their
insurance.So you and any named riders are only insured to
ride bikes clearly identified on either your Certificate of
Motor Insurance or your Insurance Schedule, which should be
kept with your Certificate. If you do need to add an additional
motorcycle or an additional rider to your motorcycle insurance
you can contact you insurer and they can normally arrange
for the motorcycle or rider to be added to your insurance.
This is subject to normal restrictions and your insurer will
then send you an amended insurance schedule showing the additional
motorcycle or rider.
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