Do You Have The Right Insurance Cover For Your Motorcycle?

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Who are BL Claims Solicitors

BL Claims Solicitors specialise in personal injury, clinical negligence and travel claims, providing our clients with hands-on support, nationally.

We are rated as one of the top firms in the UK and believe in speaking to our clients in jargon-free language and ensuring you're speaking to a highly qualified lawyer right from the outset

  • the type of motorcycle you have, a high performance model will cost more to insure than a moped
  • the age of your motorcycle
  • where you ride and where you live
  • your riding history, how long you've been riding and whether you have made any previous claims 
  • whether you have any convictions

All the above factors will have an impact on the level of premium you will need and it is important you are up to speed on the options available to make sure you buy the policy that best suits your circumstances.

Third party cover is the cheapest and the minimum that is required by law but will only pay out for damage that you cause to someone else or their vehicle. It does not cover the cost of repairing any damage to your motorcycle.

Third party fire and theft will also protect you if your motorcycle is stolen or destroyed by fire and is generally taken up by young riders and bikers owning lower value machines.

Fully comprehensive cover gives you the broadest protection and is the most expensive and in addition to the benefits of the third party fire and theft policy, it will also cover the cost of repairing your damaged motorcycle if you have an accident.  Although this cover can be pricey it gives the most protection and if you own a higher spec bike has to be a must.

Optional Extras  most insurance providers will offer additional cover which is not standard and will increase the cost of the premium for such things as breakdown cover, insurance for helmet and leathers, cover to travel in Europe and also legal cover to assist when accidents happen.

You also need to be aware that any modifications to your motorcycle will affect the premium and any claim.

In order to keep down the cost of insurance there are a few ways in which you can do this by keeping your motorcycle garaged, use an insurance approved lock or alarm, immobiliser or data tag system and take an approved advanced riding course which as well as help to keep your premiums down, could save your life.

Read more.

Julie Donovan
Senior Legal Executive - Personal Injury Team.

BL Claims Solicitors are here to help

If you would like to talk to someone and discuss a potential claim please call us on 0344 620 6600 anytime between 8am and 6pm Monday to Friday, or if you would prefer you can email us at