Carole Nash
Content Writer
Published: 19th August 2019

Getting motorbike insurance is the responsibility of every motorbike owner. With motorbike insurance available in various levels of cover, it’s important to understand which level of cover is right for you and your individual circumstances.

Legally, the minimum level of insurance you must have is third party cover. However, many riders opt to take out a higher level of cover for added protection.

If you’re wondering if comprehensive motorbike insurance cover is right for you, here’s everything you need to know about comprehensive cover.

What’s included in comprehensive motorbike insurance?

Comprehensive insurance is the highest level of cover you can get for your motorbike. Those who have comprehensive cover are covered for third party damage, fire and theft, but also accidental damage to their bike, vandalism and malicious damage.  Even if you’re to blame for an incident, comprehensive cover will still pay out.

What’s not included in comprehensive motorbike insurance?

Despite comprehensive cover being the highest level of cover, there are some things that are not included. For example helmet and leathers, personal accident, and breakdown cover. These can all be added as optional extras on top of your comprehensive insurance.

How much does comprehensive cover cost?

With comprehensive cover being the highest level of cover, it obviously comes with increased costs. Your insurance premiums for example, will probably be higher with comprehensive cover than they would be if you opted for third party only. However, by having a higher excess you may be able to reduce your insurance premiums. Other factors will affect the cost of your insurance too, such as your age, occupation and your address.

And motorcycle insurance is very competitive now so by shopping around, you’ll find a great deal. At Carole Nash for example, UK and European accident and breakdown recovery are included in every insurance policy as standard, as well as £100,000 motor legal expenses in the event of an accident which is not your fault.