Choosing a bike with strong locks, an alarm and immobiliser is a good start. Also, by parking in a garage or on a rideway overnight, bike insurance will often cost less than if you leave the vehicle on the public roads. Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association receive discounts on Velosurance bicycle insurance products.
So it’s always wise to go for an affordable yet the best bike insurance online than opting for the cheapest priced two wheeler insurance for your bike or scooter to cut cost on your premium. However, there is no coverage for bikes used for racing/speed contests or for bikes with nitrous oxide kits. Coverage options include bodily injury liability, collision, medical payments, OEM manufacturers parts, and roadside assistance.
Can I change the insurance plan while renewing my two-wheeler insurance policy? If you wish to convert the Third-party plan to a Comprehensive plan and vice versa, it is difficult. However, you can buy a new policy with a different plan at the time of renewals.
You will have to submit the original repair bills, payment receipts and other supporting documents for a hassle-free process. You can select the right coverage for your two-wheeler by picking an insurance plan and enhancing it with a choice of add-ons. However, there are some things that’ll never be covered in ACKO’s Bike Insurance policy. SPOKE offers smart bicycle insurance – the most comprehensive bicycle insurance at the most competitive rates across the USA.
Keeping your bike in a secure, locked garage whenever it isn’t being ridden it will lower your premiums. If your bike is left parked on the street you can expect to pay more for your motorcycle insurance. Insuring multiple motorbikes under one policy often works out cheaper than insuring each motorcycle on separate policies. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
Simply click ‘Get Quoteʼ below to begin comparing van insurance quotes to bring you the best value deals – cheaply, quickly and easily. We are here to find you the best Car insurance quotes possible. Simply click ‘Get Quoteʼ below to begin comparing Car insurance quotes to bring you the best value deals – cheaply, quickly and easily. The alliance between Rider Insurance and Plymouth Rock Assurance has made Rider a stronger, more competitive force.
We use trusted names and our mix of insurers has been selected to provide a breadth of experience, bike market knowledge, available products, customer service levels and competitive pricing. As a specialist motorcycle insurance broker, we compare motorcycle insurance prices from our panel of the UK’s biggest insurance automobile insurance quotes online underwriters to get you our best price for the cover you need. As experiencedmotorbike insurancebrokers, we’ll make sure you’re covered every step of the way. Read on to find out more about the protection it provides, how much it costs, and how easy it is to get a multibike insurance quote with Carole Nash.
However, their own bike would probably not be covered for the costs of repairs or a replacement. All quad bike policies are underwritten by leading UK insurance companies. When you complete the online form, brokers will compete to provide you with a policy that matches your business requirements. Our network comprises brokers and underwriters specialise in this niche sector. You can compare the policies and apply for them online quickly and securely.
•Enjoy the benefits of cashless garage facility under two wheeler insurance policy. In case your two wheeler needs a repairing, visit the cashless garage registered with your insurer so you don’t have to pay upfront for the damages. Online two wheeler insurance policy ensures maximum protection for your motorcycle.
However, this would not be reflected in the total insurance premium, which is much lower for the second bike. That’s all we do and we know what it takes to offer the most comprehensive cover for the most competitive price. Pedalsure provide me with an outstanding level of cover and service across all my bikes, I would recommend them to anyone. He/she will take the photographs of the damaged vehicle, check the driver’s license, RC copy, Insurance copy, Affidavit in case no damage is caused to the third-party, FIR if any. Lastly, the surveyor will form the case report and later submit to the company to proceed with the claim.
Protect your classic bike with classic motorcycle coverage from Nationwide. If your bike is not your main form of transport and you don’t use it regularly, you could benefit from lower usage rates. Simply let us know how regularly you use your bike (e.g. on a weekly or monthly basis) and lower premiums may apply. The highly-awaited Ola Electric scooter as CEO Bhavish Aggarwal has said he is planning a launch event for August 15. It claims to have surpassed the 1 lakh units booking milestone within the first 24 hours.
Two wheeler insurance policies also cover the damages during transit via rail, road, air or water. New India Assurance Company Limited is a multinational general insurance company owned by the government. It was founded and established by Sir Dorabji Tata in the year 1919. It was incorporated as the out of many General insurance companies in India right after it got national recognition in the year 1973. We don’t recommend insurance shoppers simply opt for the cheapest prices, nor do we recommend that riders choose the legal minimum for coverage. You should buy enough coverage to protect yourself if you or someone else is injured in an accident, while staying within your insurance budget.
How To Find The Best Electric Bike Insurance For You
It is the only direct insurance company in India which has received an ‘A’ grade by AM Best. It is rated as ‘AAA/STABLE’ by CRISIL for its high-level financial strength. It is one of the few general insurance companies in India that holds a sturdy position in the country and has an astonishing reach all over the country. It is functioning all over the nation with around 31 regional offices, around 447 divisional offices, 588 branches, 27 district agent branches plus 1239 micro offices all over the country. Not only in India, but it has established a customer base abroad. It is currently operating in approximately 28 different countries all over the world.
Of course, that’s up to you, but in most cases it makes sense to get as much coverage as you can reasonably afford. The more expensive your bike is, the more coverage you’ll want. In the event of an accident you could end up paying for repairs or replacement for your bike and possibly another person’s vehicle or medical costs as well. Part of budgeting for motorcycle ownership includes responsible insurance coverage.
With many motorcycle theft gangs in Thailand, there is specific theft protection insurance for registered motorcycles. It costs 1,000 baht to 2,000 baht per year for a new motorcycle, covering 80% of the motorcycle’s market price. Type 2+ is the second most expensive motorcycle insurance option in Thailand. Its coverage is similar to Type 1 insurance but does not cover accidents where no third party was involved. In addition, Type 1 insurance tends to send your bike for repairs at official garages while type 2+ insurance will be sent to 3rd party independent garages instead.
Comprehensive coverage covers your vehicle—well, more comprehensively. If a tree falls on your bike, it catches on fire, or it’s stolen by a thief, you will likely be covered. If you ride your bike often or park it in a place where it’s likely to get stolen or damaged, comprehensive coverage is probably your best bet.
Emergency Assistance CoverThis cover enables you to avail emergency roadside assistance from your insurer. Still have questions regarding car insurance florida quotes online and how to find the right cheap bike insurance? We pass on so much business to bike insurance providers that they offer us great rates that the general public, and even other bike insurance comparison sites, may struggle to match. If you’re hurt, we’ll cover some of your medical bills, up to the policy limit.
You can add coverage for just about all personal property you carry on your motorcycle if it’s damaged or stolen. This includes camping gear, safety gear, and even your cell phone. We’ll give you this discount automatically with your first policy, and it continues with every renewal as long as you continue to pay on time. Up to 20% discount when you renew your motorcycle insurance with GEICO Motorcycle.
You can call our 24/7 dedicated phone line to talk to an Aviva Lifestyle expert who will get things started for you, or report a claim online. The motorcycle season can be short; we’ll work hard to make sure you get to enjoy it. Emergency motorcycle roadside assistance 24/7 across Canada and the U.S. Coverage up to the motorcycle’s original value if it is a total loss after a covered claim. Get more protection with emergency roadside assistance 24/7 across Canada and the U.S. Standard auto coverage that recognizes the seasonal use of your bike.
Optional “new motorcycle replacement” feature reimburses you for the cost of a brand-new bike if yours is destroyed in an accident. Your insurance cost stays the same after your first accident if your Allstate motorcycle policy is at least 4 years old. Insure more than one motorcycle with the same insurance company. Buy another type of policy, such as auto or homeowners insurance, from the same insurer. Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered.
Since the IDV is the sum insured of the bike, it impacts the premium amount. Therefore, as the bike ages, its market value goes down, the IDV decreases, and so does the premium. This add-on, popularly known as Zero Depreciation or NIL Depreciation or Bumper-to-Bumper Cover, helps you beat depreciation. If you file a claim for the replacement/repair of your bike’s parts and depreciation is deducted from the claim amount, we will reimburse the depreciation with this add-on. However, note that you can avail of this benefit only under the first two claims.
To be on the safe side, it is always best to err on the side of caution and invest in electric bike insurance to ensure you are covered if you fall victim to crime. All of the bikes in your household are covered by our policy, and and the cover extends to every member of your family who uses them. We provide all of the extra covers you would usually have to pay high premiums for with a specialist bicycle insurer, and we can provide all of this at the same time as your home and contents insurance. Combining home and e-bike insurance under one policy cuts the hassle and expense of dealing with separate providers, and it can be much more cost-effective. We can provide all the cover of a specialist electric bicycle insurance policy as part of your home and contents insurance.
We cover possessions at and away from the home up to the unspecified limit. If you have items above the unspecified limit you must tell us about them and they need to be listed on your schedule to be covered. All of our packages cover you for Physio, Dental, Death and Permanent injury. He lives in PL7 and has just bought a 2012 Stomp Enduro 125 for £1500.
If you’re looking for bike insurance don’t forget to give us go:) Call our office and quote MH25 and we’ll knock an extra £25 off 😊 https://t.co/HJn0wB14nx
— Neil Hodgson (@NeilHodgson100) March 6, 2020
As per the Motor Vehicle Act 1988, motorcycles plying on roads must be covered at least by a basic third-party insurance policy. It essentially protects the bike owner financially on occurrence of any unforeseen accident such as accident, theft or natural disaster. What’s observed is that with the increase of bikes and other types of two wheelers on the road, the probability of an accident also increases. This is precisely why it’s so crucial to own a good bike insurance policy. Additional benefits are also to increase the coverage of your bike insurance policy at the cost of an additional premium amount.
Dont Wait To Register A Claim
If you have accumulated NCB, at the time of renewing your existing two wheeler insurance policy, you can transfer the NCB. This needs to be done within 90 days of your renewal due date. If you wish to change your insurance provider at the time of renewing your policy, you can enjoy your NCB discount by getting it transferred. Zero documentation is required to buy a two wheeler insurance policy online.
The sun is out all week🌞😊✌️ Spring is officially here at last. If you need bike insurance give us a try we are doing some great deals😊for a quote go to https://t.co/MVk5GigjJS or call 03330053100 @MHBikeInsurance pic.twitter.com/ve4uOtZeNd
— Neil Hodgson (@NeilHodgson100) March 24, 2019
Insurance will cover you for your liability to pay compensation for loss or damage to someone else’s property as a result of an accident anywhere in Australia. Motorbike insurance policies usually cover riding for social, domestic and pleasure purposes. If you use your bike for business purposes, for example as a courier or for fast food delivery, you may need a different type of cover. If you ride a motorcycle, it’s a legal requirement to have insurance. You must have motorbike cover before you can ride your bike on a public road in Ireland. My friend asked me to buy a term insurance plan online as it is cheaper and more convenient.
We Compare A Wide Range Of Insurance Products, Including:
•Log into the official portal of your insurer or visit the site of an insurance aggregator such as GIBL.IN for instant two wheeler insurance policy renewal. Did you know that the third-party liability cover is mandatory as per the Motor Vehicles Act, 1988? Since it doesn’t cover own damage, you can buy third party bike insurance easily with minimum documentation.
Ebikes qualify for coverage as long as they are under 750 watts and 28 mph . McClain Insurance offers high-coverage-limit ebike insurance policies, which is ideal for ebikers who want added peace of mind and financial protection in the event of an ebike online quotes for life insurance accident. Before you go abroad with your bike you should check to see if your policy covers you, how long you’re covered for and which countries you are insured for. You’ll also need to check if your level of cover is the same as when you’re abroad.
It is the buyer’s responsibility to transfer the bike insurance policy in their name within 14 days of the bike purchase date. You can purchase as many add-ons as you deem necessary for your bike insurance coverage. But, keep an eye on the premium, as add-ons are priced separately and increase the total bike insurance premium cost. When purchasing a third party bike insurance policy, the premium is mainly calculated on the basis of the bike’s cubic capacity.
Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you’ve ever wondered if you need bike insurance, we’ve rounded up all the information you need, from what’s covered to how much it costs to what you need to look out for when considering it. Motorcycle insurance companies take into account a variety of factors when setting their rates—including your age, riding history and motorcycle.
If you’re looking for bike insurance don’t forget to give us go:) Call our office and quote MH25 and we’ll knock an extra £25 off 😊 https://t.co/HJn0wB14nx
— Neil Hodgson (@NeilHodgson100) March 6, 2020
Either you can contact the insurance agent through whom you have filed the claim. But, in some cases, the claim once filed will reflect in your insurance policy, and the score is susceptible to go down nonetheless. Based on the findings and observations of the surveyor, the claim can be processed. However, in Bajaj Allianz cashless service, the insured can take the bike to the garage and get the repairs done without paying anything.
However, you should note that for claims registered through the QCS App, the limit on the compensation amount is Rs. 20,000. The installation of a simple handle lock and other such anti-theft devices that are authorized by the Automotive Research Association of India authorized can help reduce the cost of your bike insurance. Mechanical or electrical breakdowns/malfunctions are not covered under your insurance policy. If your two-wheeler is deemed a total loss, this add-on cover helps you get the original invoice price of the two-wheeler, including road tax and registration charges. This can help those who live in places where two-wheeler thefts are frequent. We use innovation & technology to provide you quicker and more convenient insurance solutions.
Avoid modifications – If you want to keep the cost of your bike insurance down, avoid modifications. Off-road – Insuring your off-road bike isn’t quite as straight forward as insuring your typical daily commuter bike. For a start, fewer insurers are likely to offer cover and those that do will likely quote a higher price due to the increased risks involved in taking a bike off-road.
As per the Motor Vehicle Act 1988, third party bike insurance is mandatory in India. Bike insurance covers you from any accidental injuries caused while driving a two wheeler/motorbike on Indian roads. Buy or renew two wheeler insurance online upto 3 years within 30 seconds to avoid paying a fine of Rs. 2,000.
The high-end bikes have higher premiums when compared to standard bikes. Type of Coverage – Different policies cost different premium amounts such as third party policy, own-damage policy, and comprehensive policy. Every two-wheeler insurance policy has a date of expiry before which you should renew it to continue to avail it. Step 1Intimate your insurance company about the accident or mishap. I feel that having a two wheeler insurance plan is an ideal solution for me and my two wheeler. I took this plan 2 years back and have been in security and safety.
Third party – the most basic type of cover that you need to legally ride on the road. It covers injuries to another person and damage to their vehicle, but not to you or your bike. Aside from comparison shopping, you can save money on motorcycle insurance by looking into motorcycle insurance discounts. No, the Cycleplan free 14-day insurance policy only covers your bicycle. If you’d like to insure your accessories, you can select this cover option as part of a Cycleplan annual policy.
Now you can get great value insurance cover that rewards you for keeping yourself and others safe. Our passion and knowledge of the biking world has grown over the past 25 years allowing us to understand what it is that motorbikers want and need. Offers new motorcycle replacement coverage, which reimburses you for a new bike, with no depreciation. Pays out when your motorcycle is stolen or destroyed within the first year. Several options are available, including up to $7,500 in coverage for a transport trailer, and trip interruption coverage, which pays for expenses if your trip is cut short because your bike is damaged. Collision insurance covers up to $1,500 of safety gear and comprehensive insurance covers up to $3,500 of equipment.
Access an intuitive app, wide coverage and few exclusions when Waffle’s car insurance drops in late July. Yes, you should update your insurance policy to include the conversion if you want it to be covered. One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear. Accessories and custom parts coverage is essential if you want to cover a motorcycle-to-trike conversion.
If not, then it’s better that you don’t opt for a zero-dep cover. Your zero-depreciation cover is applicable on all your bike insurance claims, as long as your bike insurance is valid. Of course, magic doesn’t exist but inComprehensive bike insurance, we have something called the zero depreciation cover, and that kind of aims to do something like that. To keep your bike as good as new, as young as it was when you just got it. The importance of third party cycle insurance is becoming ever more critical, and any policy worth its salt should provide cover for you if you’re involved in an accident proved to be your fault.
As bikers we believe in treating other bikers fairly with excellent value for money and a first-class biker experience. That’s why WE DON’T CHARGE A BROKER ‘AMENDMENT FEE’ if you call us to make a change to your motorcycle policy, such as swapping your bike or moving house . Spread the cost of your insurance over the year with our easy monthly payment plan.
Like car insurance, depending on your level of cover you are protected against anyone being injured in an accident, your motorbike being stolen or damaged. Like car insurance it is a legal requirement to have motorbike insurance if you ride a bike on a public road. The minimum level of cover required by law is Third Party Insurance. It also protects the policyholder against the theft, loss of the two wheeler, and cover on your vehicle against several calamities.
It is also different when making a claim on an individual garage who is a partner with the insurance company and who is not. When choosing motorcycle insurance, especially for Type 1, 2+, and 3+, you will be asked whether you want to have your car repaired at an official garage or individual garage. The official garage is the garage from your car’s manufacturer. For example, if your motorcycle is Honda, it will be sent to an official Honda garage for repair.
We can’t answer all of them individually, so we’ve put together a list of the most important ones below. Therefore, relying on the compulsory third-party liability insurance alone might not be enough. You might be tempted not to buy additional private insurance for your motorcycle. Nowadays, the easiest way to buy insurance for your motorcycle is to do it online. Excess can be waived if a motorcycle is damaged by something that isn’t a vehicle, such as hitting a wall, poles, trees, animals, and stones. If damaged by another vehicle, the excess can still be waived if you didn’t cause the accident.
When you start to add everything up – from your helmet to your sunglasses and other specialist kit, accessories can cost as much as your e-bike! That’s why our electric bicycle insurance protects not just your e-bike but everything else you need to enjoy your freedom. We also include £50,000 in legal expenses to look after you should need to claim against a third party if you have suffered a personal injury. Our Race and Compete extension can cover you whilst competing in amateur triathlon or duathlon events. With cover that extends to transition areas for your bike and kit and also includes up to £750 race fee cover and up to £500 in associated accommodation costs. Our cover also includes triathlon clothing lost in transition.
As with collision coverage, you’ll have some freedom to choose a deductible you’re comfortable with. Score is based on company’s customer experience, financial stability, and coverage options. Once the police submit the no-trace report the, submit the required documents and forms. All the documents of the bike and keys will need to be handed over to the insurance company. At the time of the accident, depending on the situation an FIR will need to be filed. Depending on your situation file an FIR at the nearest police station.
Choose a policy that offers the right level of accidental damage cover for you. If you hit the trails regularly, shop around for a deal that offers good cover for personal injury protection and coverage for things such as dentistry and physiotherapy – accidents do happen out there. Our bicycle insurance comparison tool allows you to compare policies on all of these points and is the simplest way to find the best insurance for road bikes.
Standard, base plans are very limited, and they usually only offer coverage for personal liability, and damage to vehicles. You wouldn’t settle for the first motorcycle you come across without test driving it, would you? You want to make sure that the motorcycle you choose offers the best features for your money. Why should shopping for motorcycle insurance be any different? This is why MotorcycleInsuranceQuotes.com helps you find the most affordable and dependable motorcycle insurance quotes in your area. Let MotorcycelInsuranceQuotes.com help you today and never settle for unreliable, expensive motorcycle insurance again.
While your bike insurance policy covers damages to your bike, the PA Cover provides financial protection in the event of disability/death while riding a two-wheeler. Most major motorcycle insurance companies allow insurance shoppers to gather quotes online. Getting motorcycle insurance quotes online is a great way to compare rates from several insurers, as the process is quick and requires no commitment to purchase a policy. Comparing motorcycle insurance quotes can save you a lot of money, as different insurers can provide prices for the same policy. We averaged the national cost of four motorcycle insurance companies and found that the premiums could vary by more than $400 depending on your provider. Since motorcycle insurance companies often quote the same rider vastly different rates for the same vehicle, comparing motorcycle insurance quotes is an important part of shopping for policies.
Give me call today to review what type of coverage makes sense for where you live and what you own. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts. The number of electric bikes in the UK is still quite small, so finding insurance isn’t always easy. Taking an advanced riding course will not only make you a better biker, it may also bring your premium down. It’s worth noting that not all advanced motorbike qualifications are recognised by insurers, so check with us beforehand to see if you’ll benefit from doing it.
At InsuranceDekho, you can compare different bike insurance quotes easily and quickly. All the quotes which get displayed to you are customized according to the details shared by you. Thus, you can compare the quotes basis the available coverage and other features offered by the bike insurance plans.
If your damaged motorcycle is unsafe to ride as a result of the damage, we can pay to have it recovered, towed, and stored. Requires third-party liability, uninsured motorist, accident benefits, and direct compensation coverage. We’ll get you the best motorcycle insurance rate we can for your situation. Yes, most insurers only accept a claim for theft if your bike has been secured using an approved lock. Some policies also include a recovery service if you break down away from your home.
Since 1985, we’ve been helping our customers find the motorbike insurance quotes that are right for them, using a trusted panel of some of the UK’s biggest motorcycle insurers. A bicycle insurance endorsement from Progressive has all the most important coverage you’ll need when riding your ebike. It includes collision insurance, medical payments coverage, theft and vandalism coverage, liability insurance, and property damage coverage. However, it lacks many of the perks that other providers have, like spare parts coverage and roadside assistance. Progressive is the only insurance company on our list that offers a bicycle insurance endorsement that can be added to an existing home, renters, or condo insurance policy.
Otherwise you may face consequences that were avoidable during a claim. Obviously we need to collect some personal details about you, including your driver’s licence info, date of birth, address and more. This helps to paint an overall picture of your policy application. “The staff at Star are always prepared to go above and beyond to help us and our clients achieve a favorable outcome.
You can determine the best car insurance payment option for you and we’ll provide the details. There are several ways you could save money on your car insurance. These can include considering vehicle safety features and reviewing existing car insurance coverages. GEICO can work with businesses of all sizes to ensure vehicles used for business purposes are covered with a commercial auto insurance policy. Even though there are state laws regarding the types and limits of coverage you must carry on your auto insurance policy, you can still customize. Once you determine what coverages and limits you need, you’re ready to get a quote.
There are sometimes specialist short term motorcycle insurance options for specific sized bikes, such as temporary 125 motorbike insurance. The hunt for a low cost and reliable motorcycle insurance policy can leave many people insurance quotes mass feeling lost. Fortunately, MotorcycleInsuranceQuotes.com has develop a system that allows you to compare motorcycle insurance online that is available 24 hours a day, 7 days a week absolutely free and is easy to use.
You should immediately report to the police about your stolen vehicle before registering any claim. A delay in reporting will affect your claim, as a General Insurance Company could deny liability. As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately. Please note that we cover only private cars and two wheelers, with a maximum of two claims in one policy period. This cover is applicable only for select make and models that are not older than two years.
If we cover your claim, we’ll pay for the cost of a rental while your motorcycle is being repaired or replaced. Damages and your legal costs for a lawsuit are covered if you, or anyone permitted to drive your motorcycle, cause the injury or death of another person. Usaa is a financial and insurance company for military personnel and their immediate families. Whilst working, it’s likely you’ll be driving your vehicle for a long time.
The policy will lapse when you do not pay the premium to renew the policy on time. Benefits like No Claim Bonus will be lost if the policy has lapsed for more than 90 days. In case no Nominee is listed in the policy, the policy will be transferred to the legal heir.
Take the time to find the right cover going forward and still ride your bike home with temp motorbike insurance. Start your free Arizona motorcycle insurance quote today for coverage you can rely on. Find out how approachable are the customer service of the insurance provider. You need to check if the customer assistance is available 24×7 or only for a fixed time period. Remember that adding modifications to a motorbike can sometimes make its value more expensive, which can then increase your insurance premium.
- Each state has different requirements, but you will likely need to have a certain amount of both bodily injury liability coverage and property damage liability coverage.
- There are several benefits, including over 30% discount, no need for annual renewals, no annual checking of the vehicle, and many more.
- A third-party liability cover offers coverage for losses and damages related to third-party only.
- The person can use the money, the amount of bike insurance claim can differ under different circumstances.
- You have to agree this amount with your insurance provider, which means you need to make sure you’re happy with it, as it may be difficult to challenge after you’ve had an accident.
The coverage limit depends on whether or not you are the cause of the accident. For a lot of expats, riding a motorbike in Thailand doesn’t seem like a great idea. Acts a layer of protection for your new bike and its spare parts.
A one week policy could be the right duration for you, but if you don’t need a whole a week’s worth of cover, you can get a policy to suit your needs. Even if you’re riding occasionally, riding without insurance is not worth the risk. Riding for insurance, even if you’re just going around the block is illegal and if you’re caught, you can face up to six penalty points, a £300 fine, and you could even have your bike crushed. Motorcycles, unlike almost any other type of vehicle, are enjoyed by hobbyist almost as much as they are used to get around every day.