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Does Motorcycle Insurance Cover Me When I’m Riding Other Motorbikes?


Many motorbike riders want to be able to ride more than one bike. If this sounds like something you’d want, then you’ll need the right type and level of motorbike insurance in place, which can cover you if you ride other bikes. And getting a quote with Carole Nash is easy, simply call us on 0333 005 2266.

What level of cover do I need? 

Much like driving insurance, some motorbike insurance policies will only cover you when riding your vehicle alone, but there are other types of bike insurance that will offer you a little more leeway. 

Whether you want to use someone else’s motorbike for a quick weekend ride, or you want to simply try out another model; there are motorcycle insurance that can cover you. We offer our own Rider Cover® as a completely free addition to your insurance policy. This will allow you to ride a friend’s motorcycle without worrying that you’re not properly covered. Plus, you’ll be insured against accidental damage too. (Both bikes must have comprehensive cover, visit for full T&C’s.)

Generally speaking, only Fully Comprehensive motorcycle insurance policies will cover you to ride other bikes, with the minimum legal insurance, which is Third Party Only cover. However, not all Comprehensive policies will include this, so it’s always important to check your policy documents as each policy can have it’s differences. 

If you wish to ride multiple motorcycles, getting a multi-bike insurance policy could be right for you. 

What’s multi-bike insurance? 

This type of insurance may be particularly cost-effective for you, as it will allow you to insure more than one motorcycle under the same policy. With this type of cover, you’ll generally be able to cover multiple bikes at a time, and also add on additional bikes at an extra cost. 

Opting for a multi-bike policy can be so much more straightforward than getting a different policy for each motorcycle that you have. You can potentially save money, while avoiding having to keep track of several sets of paperwork and multiple renewal dates at the same time. 

Again, it’s essential that you always check through the terms of your agreement in your documents, no matter what type of motorbike insurance cover you choose. This way you’ll fully understand all the circumstances you’re covered for. 

The penalties for riding another motorcycle without insurance

If you don’t check your policy documents and unintentionally break the terms and conditions of your insurance, in this case by riding another bike without insurance, you may still be penalised. 

The penalties for riding other motorbikes without being properly insured are just the same as riding without having any insurance at all, and could include:

  • An unlimited fine if your case goes to court.
  • At least 6 penalty points on your licence.
  • Receiving an IN10 endorsement, which will remain on your licence for 4 years.
  • Getting disqualified from riding (this depends on the seriousness of your offence and your riding history).
  • Having your motorbike seized and destroyed.

Also, if you break the terms of your motorbike insurance policy, your insurer may refuse to pay out for a claim, which would mean you would have to cover the cost of any damage yourself. You may also be requested to pay the full premium or remainder of your premium in one lump sum. 

If you do end up with an IN10 endorsement, you could also be refused insurance by your current provider, which would make getting insured in the future difficult and expensive.

It’s worth noting that even if your Comprehensive insurance policy does cover you to ride other people’s bikes, you may only be covered for Third Party Only. This means you and the other bike you’re riding won’t be covered in the event of an accident. Only damage you cause to any other person and their property will be covered should you ride someone else’s motorcycle. 

You’ll always need the right level of motorbike insurance in place when you wish to ride multiple bikes, so that you can have the peace of mind of being fully protected on the roads. 

For a free no obligation quote, simply call us today on 0333 005 2266.

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