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How can we help you with bike insurance today?

Last Updated: 03/01/2017

Temporary motorbike insurance is the flexible and affordable solution for riders who only need cover for a short period of time. Whether you’re borrowing a friend’s or have a classic bike you only ride occasionally, it’s often the best option for getting cover that works around you.

It gives you peace of mind while riding another bike because you don’t have to worry if you have an accident. As short-term insurance is comprehensive, you, the vehicle and the vehicle owner are all covered.

If you’re only using the bike temporarily then having to pay for a years’ worth of cover can be a huge expense that’s just unnecessary. With a temporary policy, you only pay for when you actually need insurance, whether it’s a day or a week, it works around your schedule and puts you in control of the policy.

You can purchase a short-term policy online anytime you want. Getting a quote only takes a couple of minutes and then if you’re approved you are insured from the minute you want to be. Whether you need cover now or in a months’ time, it’s always the same, straightforward process.

Cover is available for up to 7 days at a time and is incredibly useful for a number of everyday situations.

When is temporary motorbike insurance the best option?

Borrowing a bike

Borrowing a friend or family member’s motorcycle is a great way of staying on the road if your ride is in for a service or repairs. It’s unlikely they’ll charge you to use but when it comes to insurance, riding a bike other than your own can be expensive for you and the bike owner.

If you have to adjust an existing policy it can end up costing you or the vehicle owner more money as your premiums are likely to rise. With short term cover, you don’t need to adjust any existing insurance because it’s a separate, standalone policy. This means that any no claims discounts you’ve built up are unaffected.

Even if you’re not a regular rider, borrowing a bike is great for a day trip with friends or if you just fancy getting back on a bike. Whatever the reason, if you need to borrow a bike and don’t want to pay for cover you don’t need then a temporary insurance policy is the best option.

On a test ride

If you’re buying a new bike then you’ll definitely want to try it out before you pay for it and the best way to see if it’s the right fit for you is to take it for a test ride. It’s important to remember that while on a test ride you need to be properly insured. Riding a motorcycle when you don’t have the right insurance is a criminal offence and you could face an unlimited fine, points on your license and even disqualification from riding.

It’s easy to get the right insurance and if you just want it for a day then short term cover is perfect for you. It’s quick and simple to arrange and even you arrange a test ride at short notice, you can get insurance instantly.

You can get added to the sellers existing policy but this can come at a high cost and you might not be covered for a couple of days while the paperwork process. The quickest way to get comprehensive cover that protects everyone if you have an accident is to purchase a temporary motorcycle policy. That way you know you're legal to be on the road and can focus on making sure it’s the bike is right for you.

Picking up a new bike

Once you’ve done the test ride and decided the bikes right for you, you’ll want to pick it up and ride it as soon as possible. If however your annual insurance hasn’t started yet or you’re still deciding which provider to go with you won’t be able to drive away your new vehicle.

If you want to take the time to choose the right annual insurance and still ride away on your new bike, you can get a one or two-day policy that offers you comprehensive cover. Once you’ve purchased a short term policy, your documents are emailed to you instantly so you can relax knowing you’re properly insured.

This means there’s no waiting around for policies to start or documents to arrive; you can just get out on the open road with your new toy!

Why choose short-term cover over an annual policy?

For many riders, getting on a bike is an occasional event. You could own a classic motorcycle that you only ride when the weather’s good or you might just want to borrow a friend’s for the weekend. If you’re an occasional rider then annual cover might not be the best option for you.

With temporary bike insurance, you don’t have to worry about what happens if you have an accident because the cover is comprehensive. It doesn’t matter if the bike is yours or someone else’s with a short-term policy, everyone is covered if the worst should happen.

It’s important to remember that while it’s a great alternative for occasional riders, any motorcycle you are planning to use on the road must either be covered by an annual insurance or have been declared SORN (statutory off-road notification).

Temporary motorcycle insurance is the best way to get comprehensive cover for a bike you don’t own or need to insure temporarily.

Get a quick and easy quote to see how if a flexible short-term policy can help you.