Motorcycle Insurance UK
Motorcycle insurance is essentially the same as car insurance and carries the same legal requirements in the UK. As with the car insurance business, motorcycle insurance is a niche market, with many specialist insurance companies. It pays to shop around the specialist motorcycle insurance companies to find the coverage that best suits your needs and your budget.
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Here are just some of the benefits you’ll enjoy as a Churchill motorbike insurance customer:
• Discounts available if you store your bike in a garage or have bike security
• Cover for additional accessories, including panniers at no extra charge
• No claims discount available and the option to protect your existing bonus
• Up to 90 consecutive days cover when traveling abroad within the E.U. at no extra cost
• Optional add-ons including breakdown cover provided by Green Flag, personal accident cover of up to £10,000 and legal expenses of up to £100,000
• Class 1 business use and cover for grey imports available
As with car insurance, motorcycle insurance comes in three basic options: Third Party, Third Party Fire and Theft and Comprehensive. Third Party is the legal minimum insurance coverage you must have on your motorcycle. It covers damage to a third party vehicle (car or motorcycle) and the driver. However, Third Party coverage does not cover your motorcycle or yourself. Particularly for motorcycles, theft is a big issue. If you have a valuable motorcycle, you will most likely look for Third Party Fire and Theft coverage or Comprehensive coverage to protect your investment. Many specialist motorcycle insurance companies offer all kinds of incentives to lower your motorcycle insurance premium. For example, if you keep your motorcycle in a locked garage and not on the street; if you use a lock that is specially approved by your insurance company and considered safe; or if you install an anti-theft device. All these should help lower your motorcycle insurance premium.
Other insurance companies will offer you lower premiums if you have taken an advanced rider class. This is a certified motorcycle safety class offered by certain driving schools which teaches you defensive driving and safe driving techniques. If you complete such a course, you will get a certificate that will lower your motorcycle insurance premium when presented to the insurance company.
Something else to consider is insurance for items other than your motorcycle. Many insurance companies will have additional coverages available to cover things like your leather jacket and pants, luggage or panniers on your bike, your helmet and other gear. Many of these things are very expensive or even custom-made and it may be worthwhile to consider insurance coverage for them.
To end on an uplifting note, the cheapest motorcycle insurance is available to single women in their 30s!
