Motorcycle Insurance

Do you drive a motorbike, moped or scooter? While motorbike insurance is required by law, it is also something that is required for peace of mind. Driving your motorbike without proper insurance would be extremely dangerous, both for you and for other road users. There are three different types of motorbike insurance cover available; Third party, Third party, fire and theft, and Comprehensive. Click on 'More Info' to find out about these differences. Once you have found the right type of motorbike cover for you, simply fill out the short form below to let SimplyFinance help you to get the best deal on the market!

Third party is the minimum legal requirement for motorcycle insurance, and it will cover other road users and a passenger, but will not cover any damage to your own vehicle. Third party, fire and theft covers injuries and other liabilities for your passenger and other road users and also fire damage to and theft of your own vehicle. Accidental damage to your vehicle is not included. Comprehensive bike insurance covers all of the above as well as accidental damage to your vehicle, and this is the minimum insurance you should consider if your bike is worth £2,000 or more. The excess you agree to pay on your bike insurance makes a big difference to the cost of your premium. Before committing to a motorbike insurance policy, take some time to research the various policy features that you can include in your cover like Helmet & Leathers cover, Breakdown cover, European cover and Legal cover (to cover the legal costs following an accident).

Car Insurance Tips

• Always shop around for car insurance.  Rates can differ enormously between car insurance companies, so when your policy is up for renewal make sure you are getting the best rate.
• Don't be afraid to bargain. If you find a better deal, let your insurer know about it, they may be able to match the premium.  As an existing customer, you are very valuable to them, so make them work for your business!
• Consider an excess. If you are willing to pay a certain amount towards the repair costs of your car, known as an excess, your premium will be lower.  However, only choose an excess that you would be able to afford tomorrow, should you be involved in an accident.    
• Check for discounts. Lots of insurance companies offer no-claims bonuses because they prefer to insure people with a history of careful driving.  Insurers may also target certain groups, such as women or older drivers, and will offer more competitive rates if you fit their criteria. Therefore, it really pays to research the providers in the market before committing yourself.
• When you get new coverage, be sure to cancel your old policy right away. Inform your old insurer in writing or over the phone when you get new coverage.  Check the terms and conditions of your existing policy for details of the cancellation notice period.  If you must give a month's warning, you'll need to ensure your new cover starts at the end of the notice period to avoid paying two premiums for a month.
• Mind the gap. Do not cancel until your new coverage is in place because neither insurer will cover you if you are involved in an accident when you are officially between policies.