Policy
Benefits

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 (PDF 291KB).

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 motorcycle  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 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 (PDF 220KB).

So what happens if you breakdown in Europe?

Don’t worry – our policies cover you for taking your motorcycle into Europe also. If your motorcycle breaks down while in Europe, providing your trip does not exceed 90 days, we will tow your motorcycle  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 motorcycle  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 motorcycle  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 motorcycle once it has been repaired
  

Breakdown Cover is underwritten by the UK Branch of Inter Partner Assistance S.A. a Belgian firm authorised by the National Bank of Belgium. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Subject to terms and conditions. For further information please click on the policy wording (PDF 220KB).