With more people riding on Britain’s roads every year, taking safety and protection seriously has never been more important. This is why motorbike insurance is a must for all motorcycles, as not only is it essential for protecting both you and your bike, it’s also required by law.

There are various different types of motorcycle insurance, and each will offer different levels of cover. You can get a quick and easy quote with Carole Nash today, by giving us a call on 0333 005 3355.

But what happens if you don’t have motorbike insurance? What are the consequences to riding without cover in place?


First, Why is Motorbike Insurance Needed?

When it comes to insurance for your motorbike, the rules are no different than getting cover for your car. A minimum amount of coverage is always required by law for anyone riding a motorcycle out on the road.

Insurance is needed to protect you against liability should your motorbike be involved in an accident, and can be customised to suit your needs. Should an accident happen, a policy can cover you and your vehicle, any damage to third party vehicles, and injury to anyone else involved.

Should your motorcycle get stolen, damaged in a fire or even vandalised, then insurance can provide you with financial compensation after a successful claim. The only reason you wouldn’t need to have any motorbike insurance in place, is when your vehicle has been declared off the road. This can be done through a Statutory Off Road Notification (SORN) from the DVLA.


The Consequences For Riding Uninsured

If you take your motorcycle out onto the roads without any insurance in place, you’ll be breaking the law. It’s illegal to be uninsured on the road, plain and simple. The consequences for getting caught riding without cover can be severe, including:

  • Receiving a fixed penalty fine of £300.
  • Getting 6 penalty points on your licence.

If the case was to end up going to court, you could also end up getting:

  • An unlimited fine.
  • Disqualified from driving.

If the motorcycle itself is insured but you aren’t insured to ride it, then you can still be penalised. Plus, the police have the power to seize any vehicle that’s being driven without insurance, and in certain cases they will destroy it.

What Are The Different Types of Motorbike Insurance?

So, getting cover in place is a legal requirement but you do have the option to choose between  three levels of motorbike insurance, depending on your circumstances:

  • Third party cover, is the minimum amount of insurance required under the law. It only covers injury or damage to other people or third party vehicles. Keep in mind, you won’t be covered and this isn’t always the cheapest insurance either.
  • Third party, fire and theft, works exactly the same is Third party insurance. Except that this level also covers the cost of repairing or replacing your motorcycle, if it was either damaged by fire, or stolen.  
  • Comprehensive cover, is the highest level of motorcycle insurance you can get. This includes everything the Third party insurance covers, but also offers protection for your bike against accidental damage, and fault accidents. If your bike is written off, then payment for a replacement bike will also be included.

Remember, you may not be insured to ride other people’s motorcycles under your policy, so it’s important to check your policy details carefully. This also applies to carrying passengers on your bike.


Further Legal Requirements For Riding a Motorbike

There are some differences between the laws that govern motorcycles and those that apply to cars, in particular the licence requirements for bikes.

Since 2013, there have been 4 categories of motorcycle licence:

  • AM – Can be held from the age of 16. This applies to mopeds with a speed range of up to 28 mph.
  • A1 – Applies to those who are 17 or older. This licence type is restricted to 125cc motorcycles, without L-plates.
  • A2 – Applies to those who are 19 or older. This licence type is restricted to motorcycles of up to 35kW (47bhp). Taking the test on a motorcycle of more than 20kW (27bhp) is also required.
  • A – Is the full motorcycle licence. Riders must be 21 or older, and must have held an A2 licence for at least 2 years. Alternatively, if a rider is 24 or older and has completed a CBT and practical test, they will also be able to obtain this licence.

Remember, you must have already completed your Compulsory Basic Training Certificate (CBT) before you can take a motorcycle test. Wearing a securely fastened, protective helmet, with a BSI kite mark or ECE 22.05 Standard, is also a legal requirement for you and any pillion passengers.

You are only legally allowed to have one pillion passenger when riding. If you plan on having a passenger, then you need to make sure your bike has a pillion seat and reachable footrests for them. They must be able to sit astride the motorcycle, and either hold onto you or a fitted pillion bar. A child can also be a passenger on your bike, as long as you meet all the legal requirements.

Although it’s not required by law yet, it’s very important that you wear strong protective clothing, boots and gloves when riding on the roads. If you plan on riding at night, then wear reflective clothing or strips so that you’re more visible to other drivers in the dark.


Need a Quote?

Carole Nash is proud to offer a wide range of motorbike insurance policies to meet any rider’s needs and give you complete peace of mind.

Getting a quote through us is easy – you can either fill out our online form or give us a quick call now on 0333 005 3355.