Motorbike Insurance

It’s important to know how to check if a motorbike is insured because if yours isn’t covered by at least a third-party policy, it is not deemed legal to ride on the UK’s roads. You can check if your bike is insured by entering its registration into the Motor Insurance Database.

It all depends on your bike. For example, if yours has a powerful engine, your insurance is likely to have a higher premium.

However, this doesn’t mean your insurance has to be expensive, as there are ways you can try to lower the cost:

• Accurately calculate your miles every year by looking at past MOTs
• Lock your bike up and keep it in a garage or shed when you aren’t riding
• Improve your riding by going through an approved motorcycle training course, as you could earn discounts with some insurers
• Keep your insurance in place all year round to build up your no-claims discount
• Use physical security, such as a chain, to deter thieves

Give one of our specialists a call on 0333 005 3355 to see if we can lower the cost of your insurance, or get a quote by simply filling out our form.

There are different types of motorbike insurance, and each will cover you in multiple ways. The main types are comprehensive, third-party fire and theft, and third-party insurance. Getting a quote is easy – you can fill out our online form or call us now on 0333 005 3355.

As the name suggests, this form of insurance offers you the most comprehensive protection. You’ll be covered for damage to your bike, damage to a third party, as well as for fire and theft. This type of policy certainly offers the greatest peace of mind, and comprehensive insurance can sometimes work out cheaper than third-party cover.

Everyone’s needs are different, which is why some may find third-party cover more suitable than comprehensive, and vice-versa. With third-party, you’ll only be covered for damage you cause to someone else and/or their vehicle/property. Comprehensive insurance, however, means you’re protected for that eventuality as well as fire, theft, and accidental damage to your motorcycle.

Technically, you can take out motorbike insurance without having a licence. However, to be able to ride on the road you need to have secured a valid licence by passing your motorcycle test. Once that’s done, you’re legally required to take out third-party cover as a minimum level of protection.

No. To tax your bike you must already have an insurance policy in place.

Compulsory Basic Training (CBT) is usually required before you ride a moped or motorcycle on the road and is therefore needed for insurance. However, there are exemptions, such as riding a moped up to a maximum of 50cc.

Find out more about insuring your motorbike with and without CBT.

No, any policy taken out through Carole Nash will be for 12 months. Having cover in place for this length of time will enable you to build up your no-claims bonus, which could lead to lower premiums in the future.

Yes, you can change the bike on your insurance, but each risk is individually assessed by the insurer. If they accept your new ride, you will be able to transfer your policy to that bike, although additional premiums and fees may apply.

Yes, our multi-bike insurance enables you to add another bike to your policy. If you’re lucky enough to own more than one ride, it means you don’t have to take out individual cover for each of them. Instead, with multi-bike insurance, you only have one premium and one set of paperwork to worry about.

Potentially! Just check your certificate and the terms and conditions in your policy documents.

Yes, you can add another rider to your insurance, but this only applies to single bike policies. Additional premiums and fees may apply.

It depends entirely on your insurer and your cover. But all our policies allow you to ride in the EU with the same level of cover you have in the UK. The length of time you can ride abroad also depends on your insurer and policy. It can be up to 90 days.

If you’d like to ride outside the European Economic Area (EEA), you may need to acquire an International Driving Permit, and additional insurance may be required.

There are two things you need to check here. First, check your licence to ensure you’re authorised to carry passengers (pillions). Then check your insurance documentation to see if you’re covered. You’ll find the section regarding pillion cover approximately halfway down the Motorcycle Statement of Fact sheet.

Yes, there are instances when your motorcycle cover could affect your car insurance. For example, if you’re involved in an accident on your bike, you must inform your insurer and they may then see you as a greater risk and increase the cost of your car policy. It can work in your favour too, however. If you have a long history of riding a motorcycle without any claims or accidents, car insurers may see you as a lower risk and could offer you a better quote.

It depends on the category of write-off. Category A or B write-offs are recognised as scrap only and/or heavily damaged, meaning we won’t be able to insure you. Category S or N write-offs (formerly C and D respectively) are repairable and can be insured by some of our underwriters, providing an MOT and engineer’s report are provided.

Find out more about insuring a motorbike that has been written off.

We aim to make it as simple as we can, so you’ll never have to worry about how to renew your insurance. You’ll receive a renewal invite 21 days before the expiry of your policy and, if you haven’t opted out, your cover will be automatically renewed for you. If you have opted out of automatic renewal, you will need to call us on 0333 005 2222 or get in touch via our live chat function to sort out your new insurance policy.

Yes, we can amend your policy. Simply call 0333 005 2222 to let us know what has changed and we will update your details and premium, then discuss the renewal of your policy. If you’re ever unsure about whether to report any change, please check with us.

At Carole Nash, we make getting cover for your electric motorbike as easy as we can by searching through our panel of leading UK motorcycle insurance underwriters. Call us on 0333 005 3355 to discuss electric bike insurance today.

Documents via post can take up to five working days to arrive. Documents via email should be in your inbox within 24 hours. If you require duplicate documents, we can post or email them over to you – just let us know.