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Understanding Motorbike Insurance: Essential Protection on the Road
Motorbike insurance is not only a legal requirement, it provides critical financial protection for riders, in the event of an accident, damage or theft. By paying regular premiums, you enter into a contract with an insurer that helps to mitigate the financial risks tied to motorbike ownership and road use.
Types of Motorbike Insurance Coverage
Third-party Only (TPO)
This is the most basic level of motorbike insurance legally required in the UK. It offers:
- Protection for any damage or injury you may cause to other people, vehicles, or property
- Meets the minimum requirement for riding on UK roads
- Does not cover any damage to your own motorbike
Third-party, fire & theft (TPFT)
This type of motorcycle insurance offers greater protection than TPO by adding:
- Protection if you cause damage or injury to a third party
- Compensation if your motorbike is stolen
- Coverage if your bike is damaged by fire
- It does not cover your motorbike in accidents you cause
Comprehensive
Comprehensive insurance is the broadest type of cover available and includes:
- Full third-party liability cover
- Fire and theft protection
- Cover for repairs or replacement of your motorbike, even if you’re at fault
- Often adds perks like personal accident cover, legal expenses, or breakdown support
*51% of consumers who received a quote for Motorbike Insurance through this service, offered by Quotezone.co.uk, in July 2024 were quoted less than £249.01. The price you will pay will depend on your specific circumstances.
BMW R NineT- Image: Gerhard Siebert