• Questions about bike insurance
  • Facts about motorbike insurance
  • Answered below in the motorcycle insurance FAQ

FAQ 1Bike insurance FAQ

Please find below FAQ about bike insurance and other technicalities;
Getting a quote
Cover levels
Payment and administration
No Claims Bonus
Bike Licenses
Insurance renewals

Getting a quote - How do I get a quote?

To get a free bike insurance quote you can visit our website http://www.motorcycleinsurance.org.uk. We provide details of the best motorbike insurance details available on the market, saving you time and hassle.

What can I do to reduce my premium?

If you are looking for ways to reduce your bike insurance premium click here for more information.

Cover levels

What levels of cover can I get?

While we cannot offer advice relating to insurance, we can provide details about the third party motorcycle insurance, third party fire and theft bike insurance and comprehensive motorbike insurance policies that are currently available. Note: optional cover levels are available including; UK and European Breakdown cover, Personal Accident cover, Legal Expenses cover and Protected No Claims Bonus.

Payment and administration

How quickly can cover start?

As soon as your payment for motorcycle insurance policy has been accepted, you will instantly be covered.

When will I receive my insurance documents?

You will receive your motorcycle insurance documentation within a few days via the post. You can also download policy documents online immediately.

No Claims Bonus

What is a No Claims Bonus?

Many insurance companies will reward premium holders that are deemed to be 'safe' riders by offering them a 'no claims discount' policy. This kind of policy can save you a lot of money on your yearly premiums. For more information about no claims discount bonus' visit our website http://www.motorcycleinsurance.org.uk/.

Bike Licences

What kind of motorbike can I ride on a full bike license?

The kind of motorbikes that you can ride under a license largely depends on the kind of test that you take. Here are a few examples;

- With a 'Light Motorcycle' or A1 test you can ride any motorbike 125cc or below. You are allowed to carry a passenger and are not required to use L plates.

- With a 'Standard Motorcycle' or A test on a 125cc bike you will be able to ride any motorbike with no limit on engine size. You can carry a passenger and you will not be required to add L plates. Note: for the first 2 years after you pass your test you can only ride bikes under 33 bhp. With that said, any engine sized motorbike can be ridden, provided they produce no more than 33bhp as a legal requirement.

- Those 21 years or older taking the 'Standard Motorcycle' or A test on a motorbike with more than 46bhp, there are no restrictions to bike power or engine size once the test is completed and you have passed.

- Important Note: Don't forget to confirm with the DVLA for current license conditions legislation before getting on a motorbike and riding it. The above information is provided for example purposes only and is correct at time of writing.

I have a full UK car licence, can I ride a moped (50cc)?

- If you obtained your full UK driving licence before the 1st February 2001 your full UK car license can be used as a provisional license to ride a 50cc moped. To ride a motorbike over 50cc, you will need to complete a CBT test.

- If you obtained your full UK driving licence after the above date(01.02.2001), passing the CBT is the minimum requirement to be able to ride a motorbike up to 125cc, it will also need to have L plates on it.

- If a full motorbike licence is not held, the CBT certificate must be sent to us ASAP. If this is not received within 30 days of the policy start date, we will have no choice but to cancel your policy.

Insurance renewals

Will my bike insurance renew automatically when it's due for renewal?

Depending on the kind of policy that you get, generally, policies renew automatically upon completion of the original term, unless there are specific details otherwise in place.


How can I make a complaint?

At http://www.motorcycleinsurance.org.uk/ we aim to help you can make the best possible informed bike insurance choice. Please note: the hints and tips on motorcycleinsurance.org.uk do not constitute financial advice; they are purely for informational purposes only. We hope that we are able to offer top notch customer service.


How can I contact you?

You can visit our website www.motorcycleinsurance.org.uk/contact. If you have any questions you can also use our online contact form.

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