Express Insurance Services is an established provider of bike insurance policies within the UK. Being avid biking enthusiasts ourselves, we know that different bikes need different kinds of cover.Whether you ride your motorcycle to work every day, take to the streets only on weekends, or explore the exhilarating off-road byways on your dirt bike, Express has the right type of bike insurance cover for you.
We work with some of the UK's leading motorbike insurance providers to help find you our best deal. We offer cover across a wide range of makes and models, including Aprilia, BMW, Ducati, Harley-Davidson, Honda, Kawasaki, KTM, Piaggio, Triumph, Yamaha and many more.
Why You Need to Insure Your Motorbike
No matter what bike you own, you'll need to make sure you are fully covered all year round, regardless of whether you intend to use it every day, just at the weekend or as a rare treat.
The reasons for this are detailed in the Continuous Insurance Enforcement regulations, which state that you cannot keep a motorbike without insuring it no matter how often you intend to use it. The only exception to the ruling is if you have notified the DVLA that your bike is being kept off the road and that you have no intention to ride it. This is known as a Statutory Off Road Notice.
How Does Motorbike Insurance Work?
There are three levels of motorcycle insurance and the first thing you need to consider as a bike owner is which level is right for you. The three levels available are Third Party Only, Third Party Fire and Theft, and Fully Comprehensive.
Third Party Only Bike Insurance
Third Party Only is the most basic level of insurance available and is the minimum level of insurance required by law. This level of insurance only covers damage or injury to a third party's property or to the third party themselves (this also includes any injury to their passengers).
The reason you are legally required to have third party cover is that it protects other people from having to front legal or medical costs for a mistake that wasn't made by them.
One thing to remember is that, while it's generally the cheapest option, third party cover will not insure you against any personal injury or cover the costs you may incur repairing your bike.
Third Party Fire and Theft
Third Party Fire and Theft is the next step up. If you have Third Party Fire and Theft cover you are covered for everything described for Third Party Only plus you are also covered for damages to your bike in the event of a fire or if it is stolen.
Fully Comprehensive bike insurance
Fully Comprehensive is the highest level of insurance available and, as the name suggests, it offers a more comprehensive cover and includes damage to a third party as well as damage or loss caused by fire and theft.
While a Fully Comprehensive policy may be a little more expensive than the other levels of cover it can make a lot of sense financially as it covers damage to your bike even if you caused the accident yourself.
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*10% of customers buying bike insurance between 1st October 2014 and 31st December 2014 paid less than £115 (excluding optional extras) Prices depend on individual circumstances, level of cover & payment method. Based on 266 customers.