If you’re looking to borrow a bike you’ll want to make sure you’re legally insured to ride on the road and there’s no quicker and easier way to get flexible insurance than with one day bike insurance.
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 a temporary motorcycle policy. A short-term policy can last from 1 – 7 days 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 bike insurance can be the perfect solution.
To make sure you’re properly insured to ride a bike you don’t own, there are a number of different insurance options.
You could get the bike owner to add you to their policy as a named driver or you could purchase an annual policy which will allow you to ride the bike throughout the year.
While these are all viable options, if you only want to use the bike for a day you’ll find you have to pay for cover you probably won’t use.
Adding yourself as a named driver means that you can use the bike whenever you want but the owner would be forced to pay a fee for making a change to their policy, known as a mid-term adjustment. They could also see their premiums rise because of the adjustment.
Becoming a named driver would only give you third-party only cover which means that if you were involved in an accident while riding the bike and damage to the bike would not be covered. This could end up costing the vehicle owner hundreds of pounds in repairs.
With a temporary policy, you’re covered for the time you want, from one day to week and you get comprehensive cover as standard.
This means that everyone is covered and because it’s a separate policy, the owner’s No Claims Discount is protected, potentially saving them a lot of money in the future.
Unlike an annual policy, paying for just a days’ worth or 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 isn’t worth the expense.
Purchasing one day bike insurance has never been simpler thanks to the quick and easy quote process. You can get a quote at any time either over the phone or online.
To get a quote you’ll need to fill 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 motorcycles 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 a one day policy.
Once you’ve got a quote you can customise it to suit your situation. You change the time you want the policy to begin so you don’t for any time you don’t need, you can also purchase a range of affordable extras to give you that little bit extra security while out on the road.
When you’ve customised the policy to your liking, you can pay with a credit or debit card or even with PayPal. Your policy documents will then be emailed to you instantly so you have proof of insurance if you ever need it. You’re then covered 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.