Choosing motorbike insurance with Silversurfers
Like car insurance, motorbike insurance is a legal requirement if you want to drive your motorcycle in the UK.
If your motorcycle is an occasional-use or hobby vehicle, paying to insure this separately in addition to your main car can be somewhat of an unwanted expense.
Regardless of whether you use your motorcycle for your daily commute or just on leisurely weekend rides, the good news is there are plenty of policies out there that can be tailored so the premium you pay matches how frequently you use it.
Understanding motorbike insurance
Like car insurance, most motorbike insurance policies broadly fall into three categories; third party only, third party fire and theft, and comprehensive.
The level of protection you receive increases with each – third party only is the bare legal requirement, and covers liability for injury to others and damage to third party property, but doesn’t cover any other costs – like repairing your own motorbike for example.
On the other end of the spectrum, comprehensive motorbike insurance will cover you for extras like damage to your own car, even if you are at fault for the damage. While it’s commonly-held these policies are more expensive, many people are pleasantly surprised – high risk drivers more frequently opt for third party only policies, which can drive the premiums up, while drivers with long-standing no claims bonuses can get better cover at a cheaper price.
The cost of your motorbike insurance cover is based on a number of different factors. The type of motorbike you drive, how you use it, your age, address and how securely your motorbike is parked or stored when not in use all impact the price you pay.
Shop with Silversurfers
At Silversurfers we’ve partnered with A-Plan Insurance to bring you the best range of motorbike insurance options available.
As a broker, A-Plan works with more than 30 insurance companies to offer an impartial range of options to suit you.
And with a 10% discount for Silversurfers members, you can enjoy the open road with peace of mind knowing you’re covered for whatever waits around the corner.
Rachel - Silversurfers Assistant Editor
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