A Beginner’s Guide to Motorcycle Insurance: What to Consider

You are legally required to have Motorcycle Insurance in the UK if you plan on putting those passing test scores to use. Not only does insurance protect other people on the road, but it protects you and your equipment as well. When purchasing such invaluable security, you want to ensure you get the right policy for your needs without paying more than you need to.

Here are the things you need to know about Motorcycle Insurance before you purchase your policy.

Motorcycle Insurance Requirements

To purchase insurance for your motor vehicle you must be at least 16 years of age and have a valid licence to drive in the UK. A provisional licence is acceptable for those looking to obtain coverage in order to adhere to government requirements.

Types of Policies

There are three main types of Motorcycle Insurance policies available.

– Third Party

A Third Party policy covers the policy holder in the case of damage against a third party’s property or to the third party themselves. This is generally the most inexpensive policy option and does not cover accidents against your bike or yourself.


– Third Party, Fire and Theft

This type of policy covers you in the same ways as the Third Party Policy, but also includes some valuable extras. With a Third Party, Fire and Theft policy you will have protection against attempted theft, as well as any damage to your bike caused by fire.

– Comprehensive

A Comprehensive policy is the best all-around motorcycle insurance you can purchase. This policy will generally cover third party incidents, theft, fire, as well as your own repairs. While this policy is more expensive than the legally required Third Party insurance, it will give you peace of mind knowing that you are also covered in the event of an accident or damage to your bike.


If you purchase a Comprehensive policy, you will be able to claim any damage caused to your bike in an accident, regardless who is at fault. Breakdown and legal coverage are generally not included in a Comprehensive policy, so it is best to check the fine print and take out additional coverage if required.

Additional Coverage

Once you have chosen the Motorcycle Insurance policy that best fits your needs, you may wish to consider adding additional coverage. Most typical policies will not cover you for the following situations.

– Breakdown Coverage

Covers you in the event that you need emergency roadside assistance. Generally includes towing, minor mechanical and flat repairs and keycare.

– European Coverage

Covers UK residents while motorcycling abroad in Continental Europe.

– Legal Cover

Covers you in an accident that is not your fault to help you claim expenses from the responsible party. Also covers you for legal representation required directly related to a motorcycle accident or traffic offence.

– Custom Parts and Equipment Coverage (CPE)

Covers motorcycle accessories such as electronic equipment, custom paint, sidecars, and helmets.

Motorcycle Insurance is necessary not only because it is the law, but because it protects you, your vehicle, and those around you.

Spend less time worrying about what would happen in the case of an accident or theft and more time planning your next adventure knowing you are protected for anything unforeseen that comes your way.