A guide to UK motorcycle insurance

Motorcycle insurance covers the loss or damage caused to your motorcycle or scooter as a result of a road accident, fire or theft. If you want to have peace of mind regarding insurance protection for your scooter, UK motorcycle insurance is the best for you. This article acts as a guideline to UK motorcycle insurance.

Scope of insurance cover

Own damage cover The insurance covers accidental loss or damage as a result of any insured peril such as fire and road accident.
Liabilities cover and other extensions Motorcycle insurance covers you against legal liabilities to third parties such as third party property damage and third party bodily injury or death. There are other extensions to the policy designed for motorcycle owners which include road side emergency assistance, towing charges, medical expenses, personal accident cover and legal costs.
Basis of indemnification Total loss claims If your bike is completely written-off as a result of an accident or theft, the insurance company pays the amount equivalent to the replacement value of the motorcycle (less any applicable excess).
Partial loss claims The insurance company has the option of paying cash in lieu of repairs. It can also authorise repairs in case of a partial loss or theft of accessories such as spare wheel.

How to get insurance quotations

Motorcycle quotes are easily obtained online from different insurance companies, insurance brokers and motorcycle insurance specialist. It is advisable to take more than two quotations from different companies for comparison purposes and then to choose the cheaper insurance and best quotation in terms of the rate, scope of insurance cover, extensions included, and premium payment options. You can also choose the company that offers the best claim and underwriting service. Other insurance services like confirmation of cover, premium payment, policy renewal and claim notification are also done online. The information required for quotation purposes The information required when requesting for a motorcycle quotation is the same as that for vehicle insurance which and this includes your personal details and the motorcycle details such as registration number, anti-theft security features, a description of where it is parked during the night and your claims history.

Importance of taking motorcycle insurance

Peace of mind Insurance automobile provides peace of mind and you are guaranteed maximum cover in case of loss or damage to your scooter.