Custom Motorcycle Insurance

Carole Nash have the experience needed to help you find the custom motorcycle cover that is suitable for your bike.

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Protection you can rely on

As one of the UK’s leading motorcycle insurance experts, we understand that custom motorbike riders like you are all about getting the most out of your machines. A custom bike can truly capture the passion and personality of the individual, and putting your unique stamp on your pride and joy can be a huge investment of time and energy.

At Carole Nash, our experts can ensure you find the right cover, and getting a quote for one of our specialist motorcycle insurance policies couldn’t be easier. Just head to our online form or, if you’d prefer, give us a call on 0333 005 3355.

Which custom motorcycle insurance policy is right for me?

Finding the right level of specialist motorcycle insurance can prove tricky, and we want to make it as straightforward as possible for you. There are three different types of cover:

  • Third-party only
  • Third-party, fire and theft
  • Comprehensive

Third-party only

This is the most basic level of custom bike insurance and offers the minimum amount of protection needed to get out on the road. It provides cover for a third party’s vehicle or property should it become damaged by an accident where you are at fault. It does not offer protection against fire, accidental damage or the theft of your own motorcycle.

Third-party, fire and theft

This form of insurance offers the same cover as third-party only, but you will also be able to claim against fire damage or the theft of your custom bike.


The highest level of custom motorcycle cover. It offers all the insurance mentioned above, as well as protection for your own bike if you accidentally damage it.

What comes as standard with a custom motorcycle insurance policy?

You’ll receive total peace of mind when choosing one of our custom bike insurance policies, all of which come with a variety of benefits offered as standard:

Legal expenses cover

Up to £100,000 motorcycle legal expenses. It covers your legal costs to help you recover a policy excess, loss of earnings, hire of another vehicle and compensation for any injury you suffer as a result of an accident which is not your fault.

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UK & European breakdown cover

UK and European accident breakdown recovery, including Homestart assistance. Nobody wants to be left stranded, which is why all Carole Nash custom motorbike insurance policies come with accident and breakdown recovery for the UK and the EU.

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Call centre specialists

Our specially trained custom motorcycle insurance specialists handle all your quotes, claims and customer service enquiries.

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Much more

We are committed to providing your pride and joy with the care it deserves. We believe in offering policies that are designed to get you on the road quickly and hassle-free. To see just what Carole Nash custom motorbike insurance can do for you, get a quote today on 0333 005 3355.

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How do I get my custom motorcycle insurance quote?

The easiest way to get your custom motorcycle insurance quote is to fill out our online form. All you have to do is enter a few simple details about you, your bike, and the modifications you’ve made. Sometimes we may ask you for photographs and once that’s all done, we’ll be able to provide you with a quote. It’s as simple as that.

Of course, if you’d rather receive your quote over the phone, you can get in touch with us on 0333 005 3355 and we’ll be happy to speak to you.

How much does custom bike insurance cost?

That will depend. Your custom motorcycle insurance quote can vary based on a number of factors, such as:

  • The level of cover you choose
  • The make and model of your bike
  • The modifications you have made
  • Any security measures you have in place
  • Your age and location

Rest assured that we’re committed to providing a suitable quote for your custom bike, taking your budget and the total value of your ride into account.

What if I need to claim on my custom motorbike insurance?

If you need to make a claim on your policy, there’s no need to worry – a team of expert handlers will help to make the process as stress-free as possible for you. There’ll be no forms to fill in and our claims line is available 24/7 on 0800 298 5533.

Each claim is different, so the time it takes to resolve them can vary, but rest assured we’ll try to reach a satisfactory outcome as quickly as possible. If you are involved in an accident but don’t intend to make a claim, you should still get in touch with us to let us know, as this is a condition of your policy.

Why might my custom bike insurance not pay out?

There are some circumstances which may invalidate your custom motorcycle insurance. These include but are not limited to any liability, accident, injury, loss or damage that occurs when the bike is:

  • In the control of someone not entitled to ride it as described by the certificate of insurance
  • Being ridden by someone without a licence
  • Used to carry passengers or goods in a way which is likely to affect its safe driving

The above are just some of the instances that may mean your modified motorcycle insurance will not cover you. For a full list of the exclusions, please see your policy wording.

Policy question? 0333 005 7444

Why should I choose Carole Nash for my custom motorcycle cover?

  • We’ve been helping to provide custom-built motorcycle insurance for over 30 years, so you can rest assured we understand the industry inside-out.
  • Our glowing customer testimonials show exactly why we come so highly recommended, as does our positive rating from thousands of Trustpilot reviews.
  • Our commitment to helping thousands of customers find the right modified motorbike insurance has been recognised with various awards and commendations.
  • We understand motorcycles and their owners, and we appreciate the time and effort that goes into making modifications to your pride and joy, so we are perfectly placed to help you find a suitable custom bike insurance policy.
  • We’re authorised by the Financial Conduct Authority, so you can relax safe in the knowledge that we’re fully responsible and accountable.
  • Our expert team have an extensive understanding of the biking community and the particular requirements of providing the right custom motorcycle cover.

Get your custom motorcycle insurance quote today

We’re here to help you find the specialist motorcycle insurance that your bike needs, so why not get in touch now

Call us on 0333 005 3355


Custom bike insurance FAQs

We understand that you might have queries about taking out custom motorcycle insurance, so we’ve answered some of the most commonly asked questions below.

When calculating the amount you’ll be covered for, we’ll take into account all the modifications you’ve made to your motorcycle. Rather than use the market value, which may be imprecise, we’ll agree the value subject to receiving photos and full details of your alterations. This will make sure your custom motorbike is fully and accurately protected, especially in the event of a total loss claim.

Your custom motorcycle insurance quote will vary depending on a number of things. For example, a more powerful engine is likely to mean a higher premium. However, there are steps you can take that might help you reduce the cost of your cover:

  • Be sure to calculate your annual mileage accurately by checking previous MOT records
  • Keep your bike locked up with a heavy-duty chain and in a secure facility such as a garage, rather than in plain sight
  • Enrol on training courses to improve your riding or become a member of an approved motorcycle club, as some insurers will offer a 10% discount
  • If you have more than one ride, consider multi-bike insurance, which could prove cheaper than taking out individual policies
  • Keep your custom motorcycle insurance policy in place all year round to help build up your no-claims bonus

The above are just some of the ways you can lower the cost of your modified motorcycle insurance. Please visit our money-saving guide for further hints and tips.

As well as helping you find a suitable custom bike insurance policy, we can offer these extra forms of cover:

Helmet & leathers insurance

Having the right gear is essential when you’re out on your motorcycle. Good kit doesn’t come cheap, so it’s good to know that if the worst does happen, your helmet and leathers will be covered for any damage.

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Personal accident

It may not be something that we like to think about, but the effects of an accident on you and your loved ones should be a genuine concern for any motorcyclist.

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Travel insurance

Not many travel insurance policies are put together with motorbikes or their riders in mind – that’s why we offer specialist cover for bikers.

Find out more »

Comprehensive custom motorcycle insurance offers you protection against any damage to your bike or to a third party, as well as for fire and theft. This type of policy will certainly offer you peace of mind when out on the road, and can actually work out cheaper than more basic levels of cover, so it can offer the best of both worlds.

Yes. All you have to do is give us a call on 0333 005 7555 to let us know what has changed. We will update your details and adjust your premium, then discuss your renewal. If you’re ever unsure about which changes or modifications need to be reported, it’s best just to check with us and we’ll let you know.

There are a couple of things you need to check here. First of all, your licence should tell you if you’re authorised to carry passengers. Next, you need to check your custom bike insurance documentation. The section regarding pillions should be approximately halfway down the Motorcycle Statement of Fact sheet.

The answer to this depends on your insurer and the level of cover. All of our specialist motorcycle insurance policies allow you to ride in the EU with the same protection you would receive in the UK. The length of time you can ride abroad can be up to 90 days, although it may vary depending on your insurer and your policy. If you’re looking to ride your bike outside the European Economic Area, you’ll also need to provide a Green Card.

Possibly! You just need to check your certificate and the terms and conditions on your policy documents. We do offer Rider Cover as an added measure of protection for those who might occasionally hop on a friend’s bike, which is valid as long as you have their permission and both of you are covered by comprehensive policies. Rider Cover is included with any new custom bike insurance policy arranged through us.

If you elect to receive your custom motorcycle insurance documents by post, they can take up to five working days to arrive, while those sent over email should land in your inbox within 24 hours. If you need copies, just let us know and we’ll send those to you.

Other ways to save

Helmet & Leathers cover

Having the right gear is essential when you’re out on your motorcycle. Good kit doesn’t come cheap, so it’s good to know that if the worst does happen, your helmet and leathers will be covered if they are damaged in the event of an accident.

Find out more

Personal Accident

It may not be something that we like to think about, but adding Personal Accident cover to your bike policy may serve the purpose of protecting you and your loved ones against the effects of an accident.

Find out more

Travel Insurance

Not many travel insurance policies are put together with motorbikes or their riders in mind – that’s why we offer travel insurance for bikers through Carole Nash.
Find out more