Motorcycle insurance is a legal requirement for anyone wanting to ride their bike on public roads in the UK.Get A Bike Quote Retrieve A Quote
Motorbike insurance is required by law in the UK for anyone who rides a motorbike, scooter or moped. This insurance is intended to cover the costs of any motoring related damage or injuries resulting from riding the insured vehicle.
So whether a roadster, custom cruiser, sports bike or scooter is being ridden it makes sense to get the best value motorbike insurance as well as making sure that the right policy is in place to suit a rider's specific needs.
As with car insurance, motorbike insurance can be broken down into three different cover types: Third Party Only; Third Party Fire and Theft; and Fully Comprehensive.
Third Party cover is the minimum level of motorbike insurance cover required to ride on the road in the UK. It is usually the most economical option as it only covers the damage caused to other vehicles and property by a motorbike in the event of an accident. If the bike is stolen, or is damaged in a crash that was the rider's fault, this will not be covered by your policy.
Third Party Fire and Theft covers a rider for damage caused to other vehicles and property by a motorbike in the event of an accident and it also provides cover if the bike is stolen, damaged or destroyed by a fire. It is worth considering this level of cover as theft presents a substantial risk to motorbikes. However, it is worth weighing up the increased costs and levels of excess that usually accompany this type of policy compared to the actual value of your bike.
A Fully Comprehensive policy will provide cover for damage caused to other vehicles and property, fire, theft and damage to the motorbike and property, even if the accident that caused the damage was the rider's fault. However, policyholders need to be aware of the coverage limitations that may apply. For example, breakdown cover, legal expenses and personal accident cover may well incur additional costs. Fully Comprehensive cover is usually the most expensive type of cover but can also be the most suitable, depending upon individual requirements and the value of the motorbike.
When motorbike insurance quotes are generated using Tiger.co.uk, the results screen will clearly show you what is included in the policy, what is available at an additional charge and what features are not available. It is always recommended that policy details are checked to be absolutely certain as to what is included in a policy
Having an understanding of what factors might affect the cost of motorbike insurance can be useful if a rider wants to keep their premiums low. Check out our guide to motorbike insurance for further information on this and a range of other helpful topics.
If you have any questions about motorbike insurance try looking in the Ask the Tiger area of our site.
And don’t forget that Tiger.co.uk provides all kinds of motor insurance cover. So if you need car insurance for your car or van insurance for transporting your bike to and from events, look no further for a great range of insurance partners.
Tiger.co.uk has helped well over a million people in their hunt for affordable motor insurance. The site features a wide range of motorbike insurance schemes covering all types of motorbikes - from Kawasakis to Vespas and from Nortons to Hondas. We are here to help save you as much time and money as possible on your motorcycle insurance. Tiger.co.uk compares insurance from a panel of nearly 40 of the UK's top motorcycle insurance brands to help you to get the right cover to suit your individual needs.
There are a number of additional motorcycle insurance policy features available to Tiger.co.uk shoppers including helmet and leathers cover; breakdown cover; European cover; and legal cover. You can choose from a range of features tailored to your specific biking needs.