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FAQs for Motorcycle Insurance
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This is the final FAQ page regarding motorcycle insurance.
If you’ve arrived here from an internet search, please also read our main motorcycle insurance pages below, and also our motorcycle insurance FAQ page 1 and 2.
Finally, we are always happy to talk to you and you can use any of the contact methods below.
Do you offer helmets and leather cover?
This is one of the many options we can give you when you take out your insurance. It forms part of our ‘Gold Rider’ product. It’s possible that if any accident is not your fault you could receive a payout for this.
Can you cover more than one bike under the same policy?
Yes, we have various multibike policies where up to 4 bikes can be insured under one policy.
Can you insure more than one rider on the same motorcycle?
Yes, depending on the insurer. If you think that someone other than you may also need to ride your bike then please tell us during the quotation process.
Will I be insured to ride a friend’s bike?
Maybe, subject to your age and circumstances, some of the underwriters we deal with offer this option but it is naturally subject to certain conditions. If you think this is something you’re likely to want, please talk to us about it before we quote you.
Do you offer multi-vehicle policies – eg motorcycle and car?
Insurers will not generally offer one policy for several different types of vehicles. However, there are major discounts to be obtained if you insure all your vehicles through us!
What types of motorcycle insurance do you offer?
We can provide cover on a third party only, third party fire and theft basis, or fully comprehensive. For an explanation of these terms please refer to the relevant pages.
What is the minimum length of the insurance?
We offer 12 month policies only. However, building up your no claims discount will greatly reduce the cost of your insurance going forward.
Are there discounts for limited mileage?
Absolutely. Limited mileage insurance is another of our strengths and we can offer significant discounts. Please call us for more details.
Do you offer courier insurance?
Yes we do. Please read our motorcycle courier insurance page.
What kind of policy add-ons are available?
As a specialist bike insurer we offer a wide variety of policy add-ons including breakdown cover and many others. Please don’t hesitate to ask about the range of options when speaking to us.
Do you offer insurance for riding my bike in the EU?
Limited EU cover is available for up to 30 or 90 days for any one trip.
What about using my motorcycle on track-days?
Unfortunately we are not able to offer this cover. If you are likely to use your motorcycle on track days then you will not be insured and we advise you to speak to the track day organisers about this.
Can I use my bike for riding to work?
Most insurers allow this, provided you are travelling to a fixed place of work and the vehicle is secured correctly.
Is there legal expenses and personal accident cover?
We can provide this extra insurance as an optional extra.
Can I use my bike for off-road or green-laning?
The policies that we provide exclude this activity. If you belong to a motocross type club with specially organized events then third party liability is normally arranged which protects the public against injury.
How can I contact you?
Please see our contact summary page for details.
The Motorbike Insurance Specialists – Premium Choice - 0800 130 3744
“Overall, I found Premium Choice very good, the man who helped me seemed to ‘bend over backwards’ to find something that best suited... I will award Premium Choice an A*.”
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