Owning a two-wheeler, whether a motorcycle, moped, or scooter, is a popular choice in the UK. Whether it’s for the daily commute, weekend rides, or simply the joy of biking, having the right insurance is crucial. Not only is it a legal requirement, but it also ensures that you are protected in the event of accidents, theft, or damage. In this article, we’ll explore some of the best two-wheeler insurance companies in the UK, their key features, and what makes them stand out.
1. Bennetts Motorcycle Insurance
Overview:
Bennetts is one of the most renowned motorcycle insurance providers in the UK, with over 90 years of experience in the industry. They offer comprehensive coverage options tailored specifically for bikers, making them a popular choice among two-wheeler owners.
Key Features:
- Comprehensive Coverage: Bennetts provides comprehensive insurance that covers accidental damage, theft, fire, and third-party liabilities. They also offer add-ons like helmet and leathers cover, legal expenses, and breakdown cover.
- Multi-Bike Insurance: If you own more than one motorcycle, Bennetts offers multi-bike insurance that allows you to cover multiple bikes under a single policy, often at a discounted rate.
- 24/7 Claims Assistance: Bennetts provides round-the-clock claims assistance, ensuring that help is available whenever you need it.
- Ride Any Bike: This feature allows policyholders to ride any bike, with the owner’s permission, and still be covered under their insurance policy.
Why Choose Bennetts?
Bennetts is a trusted name in the industry, known for its comprehensive coverage and tailored insurance options for bikers. Their multi-bike policy and 24/7 claims assistance are significant advantages for riders who want reliable protection.
2. Carole Nash Motorcycle Insurance
Overview:
Carole Nash is another top player in the UK motorcycle insurance market. With over 35 years of experience, they specialize in providing insurance for a wide range of bikes, from scooters to classic motorcycles.
Key Features:
- European Cover: Carole Nash offers up to 90 days of European cover, allowing you to ride your bike across the continent without worrying about insurance.
- Legal Expenses: Their policies include legal expenses cover, which can help with costs related to pursuing or defending claims after an accident.
- Breakdown Assistance: Carole Nash provides UK and European breakdown assistance as standard, ensuring that you’re not left stranded if your bike breaks down.
- Multi-Bike Discounts: Like Bennetts, Carole Nash offers multi-bike discounts, allowing you to insure multiple bikes under one policy at a lower cost.
Why Choose Carole Nash?
Carole Nash stands out for its European cover and breakdown assistance, making it an excellent choice for bikers who frequently travel abroad. Their experience in the industry and strong customer service reputation also make them a reliable option.
3. MCE Insurance
Overview:
MCE Insurance is known for offering competitive motorcycle insurance rates and a wide range of coverage options. They cater to all types of bikers, from sports bike enthusiasts to those who ride scooters and mopeds.
Key Features:
- Accidental Damage Cover: MCE provides comprehensive accidental damage cover, ensuring that repairs or replacements are covered if your bike is damaged.
- Theft Protection: MCE offers robust theft protection, covering the cost of replacing your bike if it’s stolen.
- Personal Injury Cover: Their policies often include personal injury cover, which can provide compensation if you’re injured in an accident.
- Flexible Payment Options: MCE offers flexible payment plans, allowing you to spread the cost of your insurance over the year.
Why Choose MCE Insurance?
MCE Insurance is a solid choice for those seeking affordable coverage without compromising on essential protection. Their flexible payment options and comprehensive theft and accidental damage cover make them appealing to budget-conscious riders.
4. Devitt Insurance
Overview:
Devitt has been providing motorcycle insurance for over 80 years and has a strong reputation for customer service and tailored policies. They offer insurance for all types of bikes, including scooters, mopeds, and custom bikes.
Key Features:
- Customizable Policies: Devitt allows you to customize your policy with various add-ons, including helmet and leathers cover, personal accident cover, and European travel cover.
- No Claims Discount: Devitt rewards careful riders with a no-claims discount, allowing you to save on your premiums if you avoid making claims.
- 24/7 Claims Line: Their 24/7 claims line ensures that you can report an incident and get assistance at any time.
- Motorcycle Security Discounts: Devitt offers discounts for riders who invest in security measures such as alarms, immobilizers, and locks.
Why Choose Devitt Insurance?
Devitt is known for its customizable policies and strong customer service. If you want a policy that can be tailored to your specific needs, along with the potential to save on premiums through no-claims discounts and security measures, Devitt is a great option.
5. Swinton Bike Insurance
Overview:
Swinton Insurance is a well-established insurance broker in the UK, offering a range of insurance products, including motorcycle insurance. They provide coverage for a wide variety of bikes, from standard motorcycles to scooters and mopeds.
Key Features:
- Comprehensive Coverage: Swinton offers comprehensive coverage that includes accidental damage, fire, theft, and third-party liabilities.
- Optional Add-Ons: You can enhance your policy with optional add-ons such as personal accident cover, helmet and leathers cover, and breakdown assistance.
- Multi-Bike Discounts: Like other providers, Swinton offers discounts for insuring multiple bikes under a single policy.
- Flexible Payment Plans: Swinton provides flexible payment options, allowing you to pay monthly or annually based on your preference.
Why Choose Swinton Bike Insurance?
Swinton is a reputable insurance broker with a long history of providing reliable coverage. Their flexible payment plans and comprehensive coverage options make them a good choice for riders looking for a balance between cost and protection.
6. Bikesure Insurance
Overview:
Bikesure, a specialist in motorcycle insurance, is part of the Adrian Flux group. They cater to a wide range of riders, from those with standard bikes to those with more niche or unusual models, such as trikes or classic bikes.
Key Features:
- Custom and Modified Bikes: Bikesure is known for its willingness to insure custom and modified bikes, making it a go-to option for enthusiasts.
- Laid-Up Cover: If your bike is not in use, Bikesure offers laid-up cover, protecting your bike while it’s off the road.
- Track Day Cover: For those who take their bikes on track days, Bikesure offers specialized coverage for these events.
- Foreign Travel Cover: Bikesure provides coverage for foreign travel, ensuring you’re protected while riding abroad.
Why Choose Bikesure Insurance?
Bikesure is ideal for riders with unique insurance needs, such as those with custom or modified bikes. Their laid-up cover and track day options make them stand out for enthusiasts and those who want specialized protection.
7. Hastings Direct Motorcycle Insurance
Overview:
Hastings Direct is a popular insurance provider in the UK, offering a range of insurance products, including motorcycle insurance. They are known for their competitive pricing and straightforward policies.
Key Features:
- Affordable Premiums: Hastings Direct is known for offering some of the most competitive premiums in the market, making them a popular choice for budget-conscious riders.
- Third-Party Fire and Theft: In addition to comprehensive cover, Hastings Direct offers third-party fire and theft coverage, providing a more affordable option for those who don’t need full coverage.
- No Claims Discount: Hastings Direct rewards careful riders with a no-claims discount, reducing premiums for those who don’t make claims.
- Optional Add-Ons: Riders can enhance their policies with optional add-ons such as legal protection, breakdown cover, and helmet and leathers cover.
Why Choose Hastings Direct Motorcycle Insurance?
If you’re looking for affordable motorcycle insurance with the flexibility to add extra coverage as needed, Hastings Direct is a solid choice. Their competitive premiums and no-claims discount make them attractive to riders seeking value for money.
8. RAC Motorcycle Insurance
Overview:
The RAC is a well-known name in the UK for providing roadside assistance, but they also offer motorcycle insurance with a range of coverage options.
Key Features:
- Roadside Assistance: As you would expect from the RAC, their motorcycle insurance policies come with roadside assistance as standard, ensuring that you’re never left stranded.
- European Cover: RAC offers European cover, allowing you to ride your bike abroad with peace of mind.
- Helmet and Leathers Cover: Their policies include helmet and leathers cover, protecting your gear in the event of an accident.
- Personal Accident Cover: RAC provides personal accident cover, offering financial compensation if you’re injured while riding.
Why Choose RAC Motorcycle Insurance?
RAC is a trusted name in roadside assistance, and their motorcycle insurance policies reflect that expertise. If roadside assistance and European cover are important to you, RAC is a strong contender for your insurance needs.
Disclaimer
The information provided in this article is for general informational purposes only. While every effort has been made to ensure the accuracy and completeness of the content, the author and publisher make no representations or warranties of any kind, express or implied, about the reliability, suitability, or availability of the information contained herein.
Insurance products, including two-wheeler insurance, are subject to change, and terms, conditions, and coverage can vary between different providers. It is recommended that readers consult with insurance professionals or directly with insurance companies to obtain the most current and relevant information tailored to their specific needs.
The inclusion of any insurance company or product in this article does not constitute an endorsement or recommendation by the author or publisher. The decision to purchase insurance should be based on thorough research and individual requirements.
Neither the author nor the publisher shall be held liable for any loss or damage arising from the use of or reliance on the information provided in this article. Always read the policy documents and consult with a qualified insurance advisor before making any insurance decisions.