POLICY
EXTRAS

Return Your Excess Insurance

If you need to make a claim on your insurance due to your bike being stolen or damaged, or you being involved in an accident, you’ll need to contribute towards the cost of the repairs or replacement. This is known as an excess.

By adding Return Your Excess Insurance to your main bike policy, you can protect your finances from these costs. While you’ll still pay your excess, once the claim is settled you’ll be able to claim this back, up to £500 per policy period.

We offer automatic reimbursement for fault and partial fault claims, which means we’ll process your excess refund when the claim on your policy is settled – there’s no need to make a separate claim.

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 £1,500 or £2,500 per year, depending on which of the two levels 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 find your relevant policy wording.

For policies taken out before 1st January 2024:

Helmet & Leathers Policy Wording (PDF 359 KB)

For policies taken out on or after 1st January 2024:

Helmet & Leathers Policy Wording (PDF 141 KB)

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 find your relevant policy wording.

For policies taken out before 1st January 2024:

Personal Accident Policy Wording (PDF 376 KB)

For polices taken out on or after 1st January 2024:

Personal Accident Policy Wording (PDF 141 KB)