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Motor Legal Expenses

Motor Legal Expenses Cover - what are you covered for?

It covers your legal costs to help you recover a policy excess, loss of earnings, hire of another vehicle and compensation for any injury you suffer as a result of an accident which is not your fault. Motor Legal Expenses Cover is included as standard in all our policies.

For full terms and conditions, please see the policy booklet here.

 

Breakdown Cover

Breakdown Cover

Being stranded at the side of the road is never cool, but with our breakdown cover you can at least rest assured knowing help will be on its way should your bike give up the ghost. Breakdown Cover is included as standard in all our policies.

With our breakdown cover you will be covered should your motorcycle breakdown anywhere in the UK, including your home and Europe 24-hours a day, 365 days a year. Getting you back on your bike as soon as possible.

So what happens if you breakdown in the UK?

If your motorcycle breaks down at your home we will attempt to repair your motorcycle for up to one hour.

If within the hour the vehicle cannot be fixed, your motorcycle will be towed to the nearest garage within a 20 mile radius.

If the breakdown occurs more than 1/4 mile from your home and cannot be fixed the same day by a local repairer they will either arrange;
For the motorcycle, rider and pillion passenger to be taken to the address you were travelling to, or your home. Or if more practical provide you will be provided with overnight accommodation for one night or a 24-hour hire vehicle if repairs can be completed the following day.

Subject to terms and conditions. For further information please click on the policy wording.

So what happens if you breakdown in Europe?

Don’t worry – our policies cover you for taking your motorcycle into Europe also.

If your bike breaks down while in Europe, providing your trip does not exceed 90 days, we will tow your vehicle to the nearest garage. If the repairs are going to take longer than eight hours, we will arrange and pay for the most appropriate solution from one of the following options:

  • To move you, your passenger and luggage to where you were originally travelling to, and then, once your bike has been repaired, take you back to your bike or it to you; or
  • Pay for the cost of hiring another vehicle while yours is being repaired
  • Pay for bed and breakfast costs

If after a breakdown your bike is still not repaired or safe to ride when it is time for you to go home, we will pay for suitable transport to get you, your passenger and your luggage to your home.

We will then choose the most appropriate solution from the following options:

  • Take the bike to your home or your chosen repairer in the UK or;
  • Pay the cost of one rail or sea ticket (or an air ticket if the rail or sea trip would take more than 12 hours) for you to go to get your motorbike once it has been repaired

Subject to terms and conditions. For further information please click on the policy wording.

Replacement Bike

Replacement Bike

If you have had an accident that was your fault, or your motorcycle has been damaged by fire, vandalism or attempted theft you may not be supplied with a replacement motorcycle, which could impact your daily life. This is why we offer Replacement Bike insurance through Mackenzie Hodgson, which will help keep you mobile while your motorcycle is off the road following a claim.

*Subject to terms and conditions. For further information please click on either 14 day policy wording or 28 day policy wording.

Helmet and Leathers Cover

Motorcycle Helmet & Leathers Insurance

Wearing the right safety gear is important whenever you ride a motorcycle - but as we all know this is not cheap to buy. Our helmet and leathers insurance provides peace of mind, ensuring that in the event of an accident your motorcycle clothing is protected.

This insurance will cover the repair or replacement of your helmets, leathers, boots and gloves following an accident in the UK up to a maximum of £1500 or £2500 per year depending on the level of cover you select. If your motorcycle clothing is damaged beyond repair, the policy will cover new replacements in the same style and form, however it won’t cover loss to undamaged items forming part of a set. In the event of a claim you will need to provide proof of purchase.

*Subject to terms and conditions. For further information please click on the policy wording.

Excess Protection

Excess Protection

Our Excess Protection policy allows you to be reimbursed of the excess you have paid following a successful claim on your motorbike insurance policy. With this policy the maximum amount payable per year is £600, £1200 or £1500, subject to maximum of £300, £600 or £750 in respect of any one claim depending on the level of cover you select.

*Subject to terms and conditions. For further information please click on the policy wording.

Personal Accident

Personal Accident

Although it is not nice to think about, having an accident on a motorcycle should be a concern for all riders. Having personal accident insurance can help to ease the worries and provide cover in the event of a serious injury or accidental death, in the following situations*:

  • The policyholder and any passengers riding on the insured motorcycle in the event of an accident while riding in the UK
  • The policyholder and any passenger riding on the insured motorcycle in the event of a malicious and unprovoked assault by the occupant or rider of another motor vehicle or pedal cycle in the vicinity of the insured motorcycle
  • The policyholder in the event of an accident whilst a passenger on any other motorcycle

In the event of one of the above happening, which results in any of the following, you would be covered for a maximum of £20,000*

  • Accidental death £20,000*
  • Loss of sight, one eye £10,000*
  • Loss of sight, both eyes £20,000*
  • Loss of speech £20,000*
  • Loss of hearing, one ear £10,000*
  • Loss of hearing, both ears £20,000*
  • Loss of limbs £20,000*
  • Permanent total disablement £20,000*

No cover is provided for any pre-existing medical conditions or if the motorcycle is being used off road, or for race or track riding. If you want to make a claim the police must be contacted within 24 hours of the accident.

*Subject to terms and conditions. For further information please click on the policy wording.