Introduction to Motorcycle Insurance UK - if you are looking for motorcycle insurance uk it can be purchased from a variety of sources including direct insurers and brokers. The covers available are similar to those found under private car cover. To insure a motor cycle or moped you must make sure that you hold the correct licence and information about compulsory basic training can be found at the end of this section.

Third Party Cover - Third Party motorcycle insurance cover provides the basic cover for claims made by a third party in respect of personal injury and damage to property .It also covers the passenger liability cover for pillion passengers, it is usually the most basic of the three types of policy available.

Third Party Fire and Theft - Third Party Fire & Theft cover provides the same cover as Third Party only but is extended to include damage caused by Theft or attempted Theft or Fire. Claims for Fire or Theft will usually be subject to a policy excess.  The policy will either include the cost of repairs, a replacement or a cash sum equivalent to the cost incurred. Usually insurers will have a maximum cycle value for this cover, if you cycle is worth more than a certain amount, you may have to accept comprehensive cover.

Comprehensive - This is usually the widest cover available this typically includes all the above and covers as well as accidental damage to the bike itself. Again any accidental damage will usually be subject to a policy excess.

Motorcycle Insurance Tips

As well as the above covers, it is a good idea to buy a Legal Expenses cover for motorcycle insurance uk. This type of cover will cover the recovery of your uninsured losses against a Third Party. Uninsured losses will include policy excess, hire car charges and injury etc. It is worth remembering that most Motorcycle Insure policies will not include damage to your helmet or clothing, if you are involved in an accident that is not your fault, then the Third Party may pay for these items. Ask your insurance advisor if they have a policy to cover your helmet and clothing or alternatively, why not check with your Home Insurance provider as they may be able to extend your policy wording.  The rating of motorcycle insurance is similar to private car insurance and you can expect to be asked a similar set of questions. To obtain cheaper motorcycle insurance, it is worth asking for any no claims discount earned from a previous insurer to be taken in to consideration. Motorcycle insurers also offer discounts for Security devices fitted to cycles so try and obtain full details in order that you may try to obtain a discount.

Compulsory Basic Training - Before you venture on to the road, you require a compulsory basic Training certificate and the rules relating to this are a little involved. It is worth remembering that if you use your cycle without the necessary CBT being obtained, you may invalidate your insurance.