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Because of the wide range of bike makes and models available, there is a huge difference between the premiums that you could be offered. The various policies can cover from basic third party, fire and theft to fully comprehensive. The cost of the bike insurance will depend on the type of bike, as well as the experience and no-claims history of the rider. Insurance for a powerful super bike will cost significantly more than a policy covering a small run-around or scooter. Having fully comprehensive, although more expensive, can be worth it in the long run since even a minor prang can cause expensive damage to the fairings and forks. It is a good idea to check what the excess is this is the amount that you are liable on any claim. A higher excess usually means a lower premium, but if the damage is less than that of the excess, you will have to pay for repairs yourself.

While a super bike is worth paying the extra cost of fully comprehensive a run-around or monkey bike tends to be less fragile and scuff marks and gaffer tape are not such a big deal and unless the bike is very badly damaged, not worth the cost of fully comprehensive bike insurance. Because these bikes fall in a much lower insurance class, aim to get the lowest excess available. The minimum cover mandated by law for a bike used in a public place is third party cover. This will not cover the cost of any repairs to your own machine, but it covers your liability for any damage caused to other people or their property.

Some bike insurance policies offer breakdown assistance that covers the UK and Europe. This can afford great peace of mind to a biker that frequently travels long distances, either touring or attending race meetings at home and abroad. If this cover is offered, you should check what exactly this covers. It may cover less than you imagine.

Some companies offer optional cover, for an additional premium, that will cover damage to helmets and leathers; usually only up to a value between £1,500 and £2,000. A helmet that receives a solid knock has done its job of protecting your head and is likely to have to be replaced. A top-of-the-range lightweight helmet can easily cost several hundred pounds to replace, less than the cost of the extra premium and a set of leathers skating down the road will suffer from abrasion. While the leathers may not have suffered terminal damage, the rider will feel more secure in the knowledge that they are kitted out in a brand new, undamaged set of leathers.