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.
Yes. As with any road vehicle, the law states you must be covered by an insurance policy. That policy must name you and apply to whatever vehicle – a car or bike – that you want to drive. However, you have plenty of options when it comes to the type and level of cover you would like.
That depends on your circumstances. If you own your bike and you’re out on it very often, a good annual policy makes lots of sense.
But if you’re only using the bike temporarily, then having to pay for a years’ worth of motorbike cover can be a huge expense that’s just unnecessary.
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.
With a temporary policy, you only pay for when you actually need it, from one day cover up to one week motorbike insurance. it works around your schedule and puts you in control of the policy.
You can purchase a 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.
Motorbike cover is available for almost all ages, including our insurance for young riders, including those from a wide range of backgrounds. While there are some restrictions, we’re confident we can cover most riders.
There are lots of scenarios where short term motorcycle insurance can come in handy, including:
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.
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 two wheels for a bit.
It’s unlikely they’ll charge you to use their bike, but insuring yourself to use the vehicle can be extremely expensive if you don’t choose a suitable option.
Adjusting their existing annual insurance so you can borrow their bike will mean a making mid-term adjustment (MTA). This MTA not only comes with a costly admin fee but can cause their premiums to rise when they come to renew.
If you don’t want to change their insurance, you could buy your own annual motorbike cover. But this can incredibly expensive, especially if you only really need one day motorbike insurance.
The simplest and most affordable way to get cover through short term motorbike insurance. You only pay for the cover you want, as and when you need it.
Not only could you save yourself money but because it’s a separate, stand-alone policy, it will have no impact on the bike owners existing cover, including their no claims discount. This could save them hundreds of pounds in the future.
If you’re buying a new bike, then you’ll definitely want to try it out before you pay for it, and that means taking it for a test ride.
And it’s important to remember that while on a test ride, you still need to be properly insured.
You could ask to 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 is processed.
That’s why, if you just want cover for just a day or two, then temp motorcycle insurance is perfect for you. Even if you arrange a test ride at short notice, you can get insurance almost instantly that starts when you want it to.
The quickest way to get comprehensive cover, that protects everyone if you have an accident, is to purchase temp motorbike insurance. 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.
Once you’ve done the test ride and decided the bike’s right for you, you’ll want to pick it up and get it home as soon as possible. But if 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 on your new wheels.
If you want to take the time to choose the right annual insurance, but still pick up the bike that same day, you can get a one or two-day short term motorbike insurance policy that offers you comprehensive cover. Once you’ve purchased a 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 ride!
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 friend’s for the weekend.
If you’re an occasional rider, 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.
Start a quick and easy quote now, and get temporary insurance in minutes.
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.
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.
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.
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.
You can get insurance for all sorts of different circumstances with Tempcover, not just motorbike cover. Take a look at our homepage to see what different options there are.