The first thing you need to decide is what type of motorcycle insurance policy you are interested in and obviously your final decision will most probably be based on cost.

This is the most basic motorcycle insurance you can get. This level of motorcycle insurance is a legal requirement and covers your legal liability for third party damage and bodily injury in the event of an accident.

* Note: This will not cover the cost of repair of your own motorcycle. Get Comprehensive Motorcycle Insurance Policy Instead

This is the insurance that will cover the cost of repair to your motorcycle if in an accident and pay you for the cost of replacing your motorcycle in the event of fire or theft.

Comprehensive motorcycle insurance will normally cover some of the cost of custom parts but not necessarily all the cost. It is advisable to check this before taking out motorcycle insurance and if your level of customization is not covered, take out further Custom Parts Motorcycle Insurance.


You can take out ‘Uninsured Motorcycle Insurance’ which will cover you for the cost of medical care and loss of earnings in the event of being hit by an uninsured driver. Uninsured insurance will also cover the repair costs for your motorcycle up to your insured limit in the event of being hit by someone who is not insured.

It’s advisable to make sure that you include medical payments in your motorcycle insurance policy which will usually cover you in the event of a motorcycle accident regardless of who is at fault. Medical payments insurance only tend to kick in at the point when you have no other medical cover.

Comprehensive motorcycle insurance will normally cover some of the cost of custom parts but not necessarily all the cost. It is advisable to check this before taking out motorcycle insurance and if your level of customization is not covered, take out further Custom Parts Motorcycle Insurance.