Harley Davidson. Lambretta. Ducati. Whatever type of motorbike you’ve got, you’ll need to make sure it’s insured.
Motorbike insurance works in the same way as car insurance does - you need it whether your motorbike is being used daily just a few times a year, or if it’s a permanent fixture in your garage. The only exception for not needing motorbike insurance is when you’ve declared it as SORN to the DVLA. That means you’re keeping it off the road (Statutory Off Road Notice) and you’re not riding it at all.
Motorbike insurance falls into three categories and it’s down to you to ensure you opt for the one that’s right for you. The three categories are
Fully comprehensive is the level of insurance that covers the most. It gives you everything that third party fire and theft covers but also ensures you are covered if you are in an accident that was your fault. Third party insurance is pretty self-explanatory – it covers you for damage caused to a third party, their vehicle, property, and also for any passengers that are travelling with you or them. The middle level of cover is third party fire and theft and means you will be covered in the same way as you are for third party, but with the added benefit of being covered should your vehicle be stolen, or ruined or damaged in a fire.
As well as these three types of motorbike insurance, it’s also possible to buy insurance that’s aimed specifically at riders like you, or for the type of bike you own. So, with this in mind, it is possible to get motorbike insurance for classic bikes, for young riders, women, for bikes that have been modified, and for scooters and mopeds too.
