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With the growing popularity of motorcycles in the UK it is becoming even more important to choose the right motorbike insurance policy. In addition to the proper coverage for your needs, many motorcyclists will cancel their policy during winter months when the bike is stored in the garage or on the street. If you are not covered and your motorcycle is damaged or stolen you may have difficulty in making a claim to recover this loss.

Comparing cheap motorcycle insurance offers you the ability to ensure you are covered at the rates you can afford, even when your motorbike is not in use.

There are generally two types of motorcycle insurance. Please read below the differences and decide which may suit you best before comparing.

Specified Rider Policy:

• Covers the particular rider of the motorcycle, but not the motorbike itself.
• This type of coverage insures you, the motorcyclist, allowing you to ride more than one bike.

Specified Bike Policy:

• This type of cover insures the motorbike and not the rider.
• More than one insured rider is able to ride the same bike.

Similar to car insurance, motorcycle insurance cover is broken down into 3 main categories. Bear in mind that your insurance premium, no matter which type of insurance you decide on, will be affected by your age, where you live, if you use your motorbike for work, recreation, or both, your past driving history, how secure you park your bike, the cost and performance type of your motorcycle, as well as where you live in the UK.

Despite the many factors that can affect your monthly premium, the 3 main types of motorcycle insurance are:

Third Party

• The most basic coverage
• Covers third party damage and costs
• No coverage to your motorcycle if damaged

Third Party Fire and Theft

• You are covered in the event of fire, explosion, lightening
• Coverage includes damage caused from the attempted theft
• Insures you if your bike is stolen and never recovered

Comprehensive Cover

• Same cover as with third part fire and theft
• Also includes accidental and malicious damage

Motorcycle insurance is mandatory if you ride a motorbike. By comparing cheap motorcycle insurance quotes online you are guaranteed to find the type of cover you need and quickly.

Motorcycle Insurance is synonymous with: Motorbike Insurance, Bike Insurance, Motor Bike Insurance