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Temporary motorcycle insurance

What is short term motorcycle insurance?

There’s nothing like hitting the open road on your motorbike. But while getting on two wheels might offer an abundance of freedom, you need to make sure you’re protected and on the right side of the law first.

Temporary motorbike insurance is a flexible and affordable solution for riders who only need cover for a short period of time. With a temporary policy, you’re covered for the time you want, from one day to one week.

Unlike an annual policy, paying for just 1 day bike insurance or one week motorbike insurance means you get value for money, as you only pay for the insurance you actually want. Unless you plan to use the bike regularly over the next 12 months, yearly insurance just isn’t worth the expense.

Whether you’re borrowing a friend’s or have a classic bike you only ride occasionally, this means it’s often the best option for getting cover that works around you.

Why might I need temporary motorbike insurance?

There are lots of scenarios where short term motorcycle insurance can come in handy, including:

  • When 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. If you don’t want to impact any existing policy or No Claims Discount, choose temporary motorbike insurance for separate, standalone, impact-free cover.
  • When you’re test riding a bike – it’s important to remember that while on a test ride, you still need to be properly insured. If you just want cover for a few days, you can get it with short term motorbike insurance without signing up for unnecessary long-term cover.
  • When you’re collecting your new motorbike – Once you’ve done the test ride – you’ll want to pick it up as soon as possible. But if you haven’t arranged on-going insurance, you won’t be able to drive away on your new wheels. Take the time to find the right cover going forward and still ride your bike home with temp motorbike insurance.
  • In an emergency – Anything can happen when you’re riding a bike, so if you need to hop onto another one quickly, choose temporary bike insurance and get the right insurance in minutes. Your cover can begin straight away, and your documents are emailed instantly so you can be on the road without delay.

Why choose short term motorbike cover over an annual policy?

For many riders, getting on a bike is an occasional event. Perhaps you own a classic motorcycle that you only ride when the weather’s good, or you might just want to borrow a friends bike for the weekend.

If you’re an occasional rider, getting back on the bike each spring, then annual cover might not be the best option for you.

With short term motorcycle 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.

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

Remember – even if you’re borrowing a bike or using one occasionally, be careful with how you store the bike as this will impact the price of your insurance. Bike storage will impact how much you pay for your bike insurance, so make sure you’re storing your bike securely, even if you’re just using it for a day or two.

How do I get short term motorcycle insurance?

Getting short term motorcycle insurance is really quick and easy and takes just 2 minutes. Just follow these 3 simple steps:

 Enter a few details about yourself and the bike you want to ride

Confirm you’re happy with the price and details of your policy

Pay for your policy and get your documents emailed instantly

That’s it. And when your short term motorbike insurance policy expires; we’ll just send you a little reminder in case you need another policy. If you do, it’s just the same simple process every time.

Can I get temporary motorcycle insurance?

Temporary motorcycle insurance is available to a wide range of riders, but as with all insurance, cover does depend on several factors. If you meet the following criteria, we are confident that we can provide you with short term motorcycle insurance.

To get temp motorbike insurance, you must

To get temp motorbike insurance, your bike must

Be aged 17-70 years oldBe valued between £500 and £10,000
Hold the following licence types:
• Provisional UK/NI licence with provisional motorcycle entitlement
• Full UK/NI licence with provisional motorcycle entitlement
• Full UK/NI licence with full motorcycle entitlement, test passed within the last 30 days
• Full UK/NI licence with full motorcycle entitlement, test passed within the last 31 and 365 days
Not be used in connection with any business, including your own business or as a courier or for fast food delivery and not be used for hire & reward, racing, pace-making, speed testing, commercial travelling or use for any purpose in connection with the motor trade
Have been a permanent UK resident for a minimum of 5 yearsThe vehicle must be taxed (unless you are using the insurance policy to obtain tax for the vehicle immediately after purchase)
Have no more than 6 licence points in the last 3 yearsNot be a hire or loan motorbike
Have not been disqualified from driving for the last 2 yearsHave not been modified from the manufacturer’s standard specification, including any artwork
Have no more than 1 fault claims in the last 3 yearsNot be used to carry a pillion passenger
Have no criminal convictions, a current Anti-Social Behaviour Order (ASBO) or a Criminal Behaviour Order (CBO)
Have not had any previous motor insurance policy cancelled or declared void

 

Short term motorcycle insurance FAQs

Can you get 1-day motorbike insurance?

Yes, you can insure a bike for just one day. A short-term policy can last from 1 day to 1 week depending on how long you need it for.

For all your temporary riding needs, whether you’re borrowing from a friend, test riding a new ride or just need temporary cover while you arrange annual insurance, one day motorbike insurance can be the perfect solution.

Do I really need cover if it’s only a day?

You may think that borrowing a bike for a day without the right insurance is no big deal, but if you’re caught by the police riding without the correct insurance, you could face an unlimited fine and penalty points.

It’s never worth the risk, so the easiest and often the cheapest way to ensure you have the proper legal cover is with one day motorcycle insurance.

Can I insure my motorbike for a month?

The panel of insurers we work with don’t offer a one-month temporary motorbike insurance policy at the moment. But in theory, there’s nothing stopping you from taking out several one-week motorbike insurance policies in succession, you’d just need to reapply and pay for the arrangement each time.

Can I insure a motorcycle I don’t own?

Yes. You don’t have to be the legal owner to get insured to drive any vehicle. But the owner will need to have a policy that they’re named on if they still want to drive it – and your new policy doesn’t include them unless you directly request so. It also doesn’t replace their policy, there can be more than one policy on a bike at a given time.

Can I ride another bike on my existing insurance?

You could if your insurer offers a ‘multicar’ type arrangement, but this could be a drawn-out process and cause big changes to your premiums. If you’d like to ride another bike for a short while, it can often make out more sense to take out a separate, short term insurance policy instead.

What is the average cost of motorcycle insurance?

How much you’ll pay for any motor insurance policy depends on lots of factors. Some of these are out of your control, such as your age and where you live, while the rest will be determined by the policy type of your choosing – including its length and the level of cover.

While premiums will vary significantly, the average annual motorcycle insurance policy comes in at around £340 a year for comprehensive cover. Meanwhile, short term motorcycle cover starts from as little as £20 a week, which is why it’s a sensible choice if you only use a motorbike some of the time.

What do I need to get a temporary motorbike insurance quote?

To get a quote you’ll need to fill in a few pieces of basic information about yourself and the bike you want to ride. Make sure you have your driving licence number and the motorcycle’s number plate to hand. as you won’t be able to purchase without them.

As with all insurance policies, there are some restrictions that may stop you from getting cover, but we are confident that a wide range of riders aged 17 and over can get motorbike insurance for 1 day.

Once you’ve got a quote, you can then customise it to suit your situation. You pick the time you want the policy to begin, so you don’t pay for any cover you don’t need. You can also purchase a range of affordable extras to give you that little bit more security while out on the road, should you wish.

When you’ve customised the policy to your liking, you can pay with a credit or debit card.

Your 1-day motorbike insurance policy documents will then be emailed to you instantly, so you have proof of your cover if you ever need it. You’re then ready to ride from the moment you selected.

Whether you’re in a rush or planning in advance, whatever your situation the process is always simple and straightforward.

Start a quick and easy quote now and get one day motorbike insurance in minutes

The cover you need for the duration you want

Full cover,
no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

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