What motorcycle insurance do I need?

Driving

5 min read

With several choices available, it can be confusing to try and choose the right insurance policy for your motorcycle. This blog will cover common questions surrounding motorcycle insurance so you can ensure that you and your vehicle are kept on the road safely.

Firstly, it’s important to consider what type of motorcycle you have. If you’re searching for motorbike insurance, our dedicated Motorcycle team will explore your options to find the most suitable cover.

For those who own several motorbikes, it is possible to have your vehicles covered under our tailored multi-bike insurance policy.

If you like to explore cities efficiently or escape to the countryside roads, AbbeyAutoline can also protect you with specialist coverage for scooters and mopeds.

The type of motorcycle insurance that you need can also depend on how you use your vehicle. If you use your motorcycle for work, such as for delivery driving or to visit customers, you may be required to notify your personal insurance provider or add business insurance to your policy.

Why do I need motorcycle insurance?

As with car insurance, if you’re driving your motorcycle on the roads, insurance is a legal requirement. At a minimum, motorcycle insurance protects you against liability if you damage someone else’s vehicle, or if you cause another person injury. The only exception in which motorcycle insurance is not necessary is if your vehicle has been declared ‘off road’ through a Statutory Off Road Notification (SORN). In this case, your vehicle cannot be kept or ridden on public roads.

What level of cover do I need for motorcycle insurance?

At AbbeyAutoline, you can choose your motorcycle insurance cover from these three choices:

• Fully comprehensive: Our highest level of cover and most complete protection, this policy covers against third party injury and damage, fire, theft, and any injuries you may suffer in a (non-fault) accident.
• Third party only: This is the minimum legal requirement and provides protection for third party injury or damage to their vehicles. It won’t cover damage to your own motorcycle.
• Third party fire and theft: This policy compensates you for any injury or damage you cause to other people, as well as the cost of your motorcycle if it’s stolen or damaged in a fire.

If your motorcycle will be out of use for an extended period of time, it may be possible to request out-of-use cover. Contact our experienced team for more details.

What else should I consider when looking for motorcycle insurance?

• With being more exposed to exterior elements than other vehicles, it may be worth investing in additional insurance for your motorcycle. At AbbeyAutoline, we have the option of boosting your cover to provide even more protection against accidents such as: KeyCare cover, which solves the inconvenience of replacing lost, damaged, or stolen keys;
• Access to a 24/7 emergency helpline, and locksmith charges if keys are locked in a property;
• There is also the option to further your insurance policy with Breakdown Assistance, which covers you in the case of a breakdown across Northern Ireland, Great Britain, and the Republic of Ireland;
• Excess Insurance is available and reimburses the extras that you’ve had to pay after a claim. This is a convenient type of cover to have and at AbbeyAutoline, we’re one of the few brokers in Northern Ireland who can offer it.

How do I make a motorcycle claim?

If you need to make a claim, collect your contact details, policy number, vehicle registration number, accident details, and any relevant third party details such as other vehicles and people involved.

Have a query or issue regarding motorcycle insurance? Our dedicated team is on hand to answer your questions and find the right insurance to suit your needs. We work closely with BikeSafe so that we’re fully informed on how to keep motorcyclists safe.

Get in touch with the experts today on 08000 66 55 44 or arrange a call back.