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Monthly Archives: June 2019

June 8, 2019

Principal Motorbike Insurance Review

Principal Motorbike Insurance Review

This Principal Motorbike Insurance review is being completed to help explain what this Manchester based insurance broker has to offer the motorcycle enthusiast. Principal issued their first policy in 2011 and in 2015 they expanded their operations and opened an office in Dublin, Ireland.

principal motorbike insurance

What type of broker is Principal Motorbike Insurance?

Principal Motorcycle Insurance is a broker who specializes in bike insurance. They offer specific policies for classic, vintage, custom, sports, touring bikes and cruisers that fit the needs of each type of bike and biker.

Why Principal Motor Bike Insurance

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  • Custom and Classic Bikes Insured  
  • Sports and Supersports bike insurance.
  • Custom motorcycle insurance chops and trikes
  • Quad bike insurance
  • Mopeds and Scooter insurance.
  • Trail and Enduro bikes.

What types of policies are issued by Principal Motorcycle Insurance?

While it is not stated on their website, more than likely the policies being offered include Third Party, Third Party Fire and Theft and Comprehensive. What is placed on their website includes the following and is included in all policies issued;

  • Legal expenses are covered up to £100,000.
  • Discounts are offered to motorcycle club members (10%), the installation of theft deterrent systems and for those that have provable advanced riding qualifications.
  • Payment options include in full or monthly payments that has interest attached to it.

What are the extras for Classic and Vintage bike coverage?

  • The value of the bike is set when the policy is taken out and agreed to by the bike owner and the insurance company underwriting the policy.

  • Coverage for rally, track day, wedding hire and static display.

  • Coverage in Europe when on a road trip
  • Both limited and unlimited mileage policies.
  • Zero deduction for salvage right retention.

What are the extras for Custom bike coverage?

  • ​The value of the bike is set when the policy is taken out and agreed to by the bike owner and the insurance company underwriting the policy.

  • Zero deduction for salvage right retention.
  • No limit to the number of road legal modification on the bike.
  • Turbo and Nitro kit are covered.
  • Both limited and unlimited mileage policies.

​Is Multi bike policy offered?

Yes you can cover all the bikes you own under one policy. The types and classification of the bikes covered do not have to be the same so the everyday bike can be covered along with the classic and vintage bikes in your garage. Because there is more than one bike being covered, the polices for each bike will be discounted as compared to individual policies not under the multi bike umbrella.

In Summary

Principal is a broker that still like to speak with their customers over the phone. They believe this is the best way to find out each individual's requirements and provide them with the best service. They don't follow scripts with sales targets that they must reach. It is a genuine attempt to provide you with a good service from the wide range of insurance brokers that they have on their panel. They don't just provide standard  125 cc motor bike insurance, but cater to all types of bikes, bikes that some other brokers such as Aviva motorbike insurance do not quote for.

Policies from Principal Motorcycle Insurance can be taken online or over the phone. They promise to keep things simple and straightforward. They state they have issued more than 40,000 policies in both the UK and Ireland.

This information is being provided free to the public by an independent writer. We do not endorse or dissuade the use of this insurance broker and have not been compensated by Principal Motorcycle Insurance in any manner.

MotorBike Insurance

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June 2, 2019

Just Motorcycle Insurance Review

Just Motorcycle Insurance Review

In reviewing Just Motorcycle Insurance what was found is this is an online only firm whose policies are only available to UK customers who ride and own motorcycles. This insurance firm is backed by Carole Nash Insurance Consultants LTD which also sells insurance under its own name.

JMI or Just Motorcycle insurance deals exclusively as you would expect given its name in insurance for forms of 2 wheeled transport with a clear focus on motorbike drivers. Currently they do not offer e-bike insurance.

just motorcycle insurance

Why JIC MotorBike Insurance

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  • UK company registered in Cheshire
  • Just Motorcycle Insurance focus on motorbike insurerance only
  • Modified and customised covere available
  • Overseas riding cover available
  • Specialise in competitive quotes on two wheels
  • Rider insurance with motoring and criminal convictions 

What levels of insurance does Just Motorcycle Insurance offer?

Just like other vehicle insurance there are 3 different levels of coverage Just Motorcycle offers their UK customers.

Third Party

This is the minimal level of coverage that repairs the other vehicle and covers the medical bills of the other party when you are at fault in an accident.

Third Party Fire and Theft

Covers the same as Third Party with the addition of protecting your bike in case it is damaged by a fire or is stolen.

Comprehensive

Same as the above coverage along with protection for repairs to your bike and your medical bills.

All of the policies from Just Motorcycle have UK and European Breakdown coverage and legal protection.

What options are available with a Just Motorcycle Insurance policy?

  • There is up to a 15% discount when the motorcycle is fitted with an anti-theft device.

  • Courier bike insurance is available.
  • No Claims Discount is provided to customers that have not made a claim in the past 12 months. This discount can be as high as 70% off the standard premium price. No Claims Discounts from other types of vehicles are non-transferable.
  • Personal Accident coverage is available for an addition cost.
  • Additional Breakdown coverage is available. This will cover home start service, roadside assistance, recovery services and transportation for you to your destination.
  • Classic Motorcycle insurance cover is also available


  • European travel is covered with no time limit.
  • There is no coverage for race motorcycles.

  • In Conclusion

Just Motorcycle Insurance is made specifically for those that travel on 2 wheels. This is an online only insurance company with all their offerings on their website, but has a telephone number for more assistance. The phone number is listed on several pages since the webpages are vague in their descriptions.

It is advised to read all the details and fine print before submitting your premium payment.

This information is being provided free to the public by an independent writer. We do not endorse or dissuade the use of this insurance company and have not been compensated by Just Motorcycle Insurance in any manner.

Compare the costs Motorbike Insurance with Multiple Brokers today.

MotorBike Insurance

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June 2, 2019

Aviva motorcycle insurance Review


Aviva motorcycle insurance & Multi Bike Insurance

With this Aviva Motorcycle Insurance review we will list just what options you have with this organization that has become the largest insurer in the UK. This insurance company does take inquires online but they prefer to issue policies over the phone. 

Aviva, unlike Bennets motorbike insurance offer many types of insurance. This opens up the option of greating an insurance package with AVIVA for example multi car and bike insurance. If you just need you bikes covered under one policy check out the options that are available with MCE multi bike insurance.

Aviva Motorcycle Insurance

Motorcycle or Bike Multi Insurance  Select Below

Multi Motorbike Insurance

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Multi Bike Insurance

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What types of coverage does Aviva Motorcycle insurance offer?

Aviva has the three basic types including the minimal Third Party, Third Party Fire and Theft and the most inclusive which is comprehensive coverage.

What is in the Aviva comprehensive motorcycle coverage?

  • Accident liability coverage takes care of repairs to your bike and your medical bills along with the third party’s bills up to £20,000,000.
  • Legal expenses are also covered including solicitors, coroners and other legal representation fees up to £10,000.
  • Your bike is protected if it is damaged by a fire or is stolen.
  • Emergency medical treatment under the Road Traffic Acts is included.
  • No Claims Discount increases each year you do not make a claim.
  • New motorcycle replacement if your bike is damaged beyond repair and is 6 months old or less. If the bike is older than 6 months they you will receive the fair market value of the bike.
  • Your insurance policy is in compliance with EU standards and is valid when you are traveling in Europe.
  • If you bike is involved in an accident and rendered non-drivable then it will be collected and taken to the closest repair facility.
  • Uninsured driver coverage is included.

Is there any optional coverage available?

There are available several add-ons that can increase the level of coverage for your motorcycle.

  • When traveling in Europe the standard coverage is the minimum set by the EU. You can increase this to full comprehensive for an additional cost.
  • Roadside breakdown assistance in which RAC will dispatch a repair vehicle to help get you going again. This coverage can be just for the UK or Europe can be included for an addition cost. 
  • Motor Legal is where you can receive payments if you become disabled due to an accident that is not your fault. 

​Aviva Multi Bike Option

UK bikers are often enthusiastics and own more than one bike. Each bike normally used for a different purpose a mountain bike or touring bike for example. Multi bikes owners should consider looking at AVIVA multi bike option. This allows all you bikes to be covered under one policy. This can, but is not always the cheapest option to insure 2 or more bikes.

Ways to reduce your premium costs

You can reduce your premiums if your motorcycle has an antitheft device on it. You will also be given a discount if you complete an authorized safe riding course.

​In Conclusion

Aviva Motorcycle Insurance is complete coverage for your 2 wheel vehicle. As with all insurance policies, make sure you read it in its entirety before paying the premium. 

This information is being provided free to the public by an independent writer. We do not endorse or dissuade the use of this insurance company and have not been compensated by Aviva Insurance in any manner. Aviva currently does not offer ebike insurance

Motorbike Insurance

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