Third-party cover
Focuses on liability to others rather than repairs to your own motorcycle.
ON THE MOVE
Motorcycle insurance. Explained.
Look beyond the bike’s value to riding use, security, equipment and the terms of a theft claim.
Start with what you need covered.
Your motorcycle, riding history, storage arrangements and use all belong in the quote conversation. Ask the insurer to confirm how commuting, pillion passengers and modifications are treated. A motor policy label alone does not establish protection for riding clothing, accessories or a journey overseas.
UNDERSTAND THE OPTIONS
Different arrangements. Different details.
Fire and theft protection
Ask exactly which theft and fire losses are included, with what security conditions.
Comprehensive cover
Discuss own-bike damage alongside the exclusions, excess and optional benefits.
BEFORE YOU CHOOSE
Four conversations worth having.
Security conditions
Which locks, storage arrangements and security routines are required?
Accessories
Are modifications, luggage, helmets and leathers insured and at what limits?
Riding use
Are commuting, pillion riding and trips abroad included in the stated use?
Settlement
How is the motorcycle valued after a total loss, and what evidence is needed?
Compare an actual offer
These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
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