Motorcycle Insurance >
Cover Types

The policyholder is the registered owner of the vehicle – we cannot insure you if you are not the owner of the vehicle.

The main rider is the person that uses the motorcycle most frequently – he must be aged 25 - 65, 2 years’ riding experience. He would be the policyholder (vehicle owner).

Named riders are occasional riders you name under the policy. They have to be aged 25 - 65 with 2 years’ riding experience.

Authorised riders are people that you give permission to use your motorcycle. Sorry, this policy covers only 1 main rider and up to 1 named rider. It does not cover any unnamed riders. (Unless the Any Rider Optional Benefit is selected). The adding of additional rider or the selection of Any Rider Optional Benefit is subject to additional premium charges.

We have to exclude some drivers to keep your premium down
We cannot cover you if:

• You have been declined when trying to renew your policy in the last 3 years. Or you have had your policy terminated in the last 3 years.
• You've had your licence suspended or cancelled in the last 5 years.
• Your motorcycle is registered under your company
• You use your motorcycle to perform delivery services, whether on a full time or part time basis. However if you use your bike for food deliveries only - and not any other types of delivery e.g. courier - this can be covered if you declare such usage to us truthfully.

We make our policies in such a way that you pay only for what you need. Here are a number of ways you can cut costs on your premium.

1. We have three different insurance plans for motorcycle policy. You can select the plan according to your needs.
2. Opt to pay a higher excess. The higher the excess the lower the premium. (Note: This only applies to our Comprehensive plan).
3. Certain motorcycle models are more expensive to insure than others. Keep this in mind when purchasing a new vehicle.
4. Be sure to only pay for the optional extras you need, as any you add will increase your premium.