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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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May 19, 2019

MCE Motorcycle Insurance Review

MCE Motorbike Insurance

MCE Motorcycle Insurance is the topic of today’s review. This insurance provider was established in 1975 and is based out of Rushden, Northamptonshire. They insure all types of 2 wheel motorized transportation for both recreational and professional riders.

MCE are specialist in the provision of bike sport insurance that includes Trackday insurance and Motocross insurance. MCE offers cover for any age and any bile type and provide a multi bide insurance option of up to 5 bikes under one policy.

mce motorcycle insurance review

Motorbike Insurance

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MCE Motorbike Insurance Available Products

There is courier motorcycle insurance and fast food delivery motorcycle insurance. Both of these are specifically designed to meet the needs of a motorcycle delivery business. These policies provide unlimited number of drivers to be covered and unlimited mileage. 

MCE offer Low Insurance Rates

MCE stands out from other in offering bike insurance plans with low rates and include breakdown recovery as standard. If you need 125cc motorbike insurance especially for your bikers then check out what MCE has to offer. 

What types of bikes are covered with MCE Motorcycle Insurance?

Only motorcycles with a displacement of 351 cc or higher can be covered by MCE Motorbike Insurance. This includes stock, custom and classic bikes. There are other policies that cover mopeds, scooters and monkey bikes each of which have a smaller displacement engine.

What levels of MCE Motorcycle Insurance are available?

Third Party

  • This is basic insurance that covers the costs of repairs and medical bills of the other party involved in the accident.
  • Legal fees and property damage covered up to £1,200,000.
  • Personal accident protection up to £1,000.
  • Helmet with leathers covered.
  • Breakdown and recovery protection. 

Third Party Fire and Theft

This is the same as Third Party but your bike is covered if it is damaged by a fire, vandalism, malicious act or is stolen.

Comprehensive

  • This is the same as Third Party Fire and Theft.
  • Courtesy bike is provided when you bike is unrideable after an accident. This is access to a 125 cc bike for 5 days.
  • Lost key replacement.
  • Track-day coverage.
  • 183 days of coverage while in Europe.

What additional options are available with MCE Motorbike Insurance?

There is excess reducer protection which can lower the amount of excess you have to pay when making a claim of up to 50%.

No Claims Bonus protection keeps your NCB in place after a claim is made.

Misfueling coverage if you put the wrong fuel in the tank.

In Conclusion

MCE Motorbike Insurance Company underwrites their own policies. They are known for being very competitive with low premiums. To help keep costs down they are also known for having one of the highest excess in the business.

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 MCE Motorbike Insurance in any manner.

Motorbike Insurance

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May 6, 2019

Bennetts Motorbike Insurance


Bennets Bike Insurance

Bennetts Insurance Bike coverage has been available for the 2 wheel enthusiast for over 85 years in the UK. The Bennetts Insurance company is the trading name for Saga Services Limited but they are an insurance broker and do not underwrite the policies they issue. They are based in both Coventry and Peterborough and are registered in both England and Wales. They specialize in motorbike insurance coverage. Currently Bennets do not offer e-bike insurance only motorcycle insurance.

Motorbike Insurance

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What types of bikes can be covered by Bennetts Insurance?

There are separate polices for different types and sizes of motorcycles. Each policy is specifically designed to meet the needs and requirements of that particular type of bike. Classic bike insurance is now also available. The key categories used by Bennets include the following;

Moped from 50 cc to 125 cc.
Roadsters
Trail and Enduro
Tourer
Cruiser
Naked
Sportsbike
Superbike

​​What type of coverage does Bennetts Insurance offer?

Third Party covers the cost of the other vehicle’s repairs costs and any medical bills of the other vehicle’s occupants  when you are at fault in an accident. Personal Liability to cover the costs of the other party are up to £20,000,000 and up to £5,000,000 for their property damage.

Third Party Fire and Theft covers the same as Third Party with the additional coverage for protection of your bike if it is damaged by fire or it is stolen.

Comprehensive covers the same as Third Party Fire and Theft along with repairs to your bike and your medical bills.

What is part of a standard policy from Bennetts other than what is stated above?

  • The 16 most common modifications of bikes is covered.
  • 70% discount for ultimate coverage which includes legal expenses up to £100,000, RAC Breakdown protection in the EU, Helmet and leathers protection up to £1,500 along with personal accident coverage.
  • The emergency help line is UK based.
  • 90 day coverage for travel in the EU.
  • 3 levels of RAC Breakdown coverage available.
  • Policies can be taken out online or over the phone.

In Conclusion

While Bennetts insurance for bikes has been around since 1930, in 1980 they transformed their business model to specialize in bike insurance coverage only. Today their policies protect more than 230,000 riders in the Great Britain and Northern 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 Bennetts Insurance in any manner.

Motorbike Insurance

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April 12, 2019

Looking after your E – Bike

E-Bike Insurance

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Using an electric bicycle is a cheaper, easier, and more environmentally friendly way of getting around town compared to cars. However, without proper maintenance, you could end up regretting your decision to invest in an electric bicycle. This is why it is important to make sure you have e-bike insurance and that you keep it in top shape at all times.
Unlike normal bicycles, where all you have to worry about it the mechanical aspect of your bicycles, you have to also maintain the electric components of your electric bike.

Battery Care

A battery is an important part of electric bicycles, and you need to use it properly if you want the e-bike to last you for some time. Replacement batteries for e-bikes can be quite expensive. Most electric bicycles you will find on the market today come with a lithium-ion battery. However, some come with other batteries like lithium polymer, nickel cadmium, and more. You need to ensure that you are charging the electric bicycle the proper way. And you don't have to wait until the battery is empty before you recharge. Read the instruction manual that came with your electric bicycle if you have any doubt about how to charge it correctly.

Regular Cleaning

One of the best ways to prolong the lifespan of your electric bicycle is to clean it regularly. There is no rule for cleaning a bicycle. It depends on how frequently you use it. If you use it often, obviously you will need to clean it more regularly. Cleaning your electric bike involves removing the mud, dust, and other dirt that could get into the motor, battery, chain or your wheels. When cleaning an electric bicycle, it is not advisable to use a high-pressure hose or lots of water. The water could easily get into the electrical systems in your e-bike and spoil it. You are better off using a wet rag to clean the dirt around the electrical components of your bicycle. Only use running water to clean the mechanical parts when necessary. As a rule, remove your batteries each time you want to use water to clean your e-bike.

To maintain your electric bicycle, you have to ensure all the small components are in good working condition. Usually, it is the little things we neglect that can cause more trouble than the major components that you are always checking. So, for example, you need to keep your chain well lubricated. Failure to lubricate would make the chain rust as well as wear-and-tear. You can lubricate your bike once every week or every time you clean it. Also, you need to check your tire pressure from time-to-time and also make sure all your screws and bolts are not getting loose.

Remove Battery if not using your E- Bike

The best way to care for your electric bicycle is to clean it thoroughly after every ride. This way, it is ready the next time you need to use it. If you are not going to be using your e-bicycle for a long time, remove the battery and store it in a cool, dry place.

E-Bike Insurance

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April 12, 2019

Reasons to buy an e-bike

E-Bike Insurance

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Just two wheels and a path and maybe a helmet is all it really takes to get you from point A to B. Biking is a cost effective, and empowering way to hack your commute.

Today it is very possible to dive head first into electric bikes or just dip your toes in for a little taste. There are places in some towns where you can even rent electric bikes so you can get a better feel for them.

For the absolute purest experience, purpose built e-bikes are the best way to go. (bikes that have been designed as and being sold as electric, not ones that have been converted later on) They are much lighter, tougher and more capable. Whether you’re in need of a folding bike to stow away in your loft or take with you on a plane, a tandem that you can rent and ride with a friend on vacation or a downhill bomber that you will use for free riding on mountain trails, there is for sure an e-bike out there that is fully capable. As electric bikes can are much more expensive than the traditional push bike make sure you take out the appropriate level of e-bike insurance before you start your biking adventures. 

They'll help you go further, faster, longer

Electric bicycles will offer many of the same benefits that regular cycling does but due to the fact that you’ve got a little bit of added oomph on board, you will be able to travel greater distances and also ride for longer. Also, electric bicycles can offer things like no licensing or insurance required, and improved health.

They also allow you to go faster than the majority of cyclists and in some cases cars. Even though modern motors can travel fifty times faster than cars one hundred years ago, due to gridlocked roads the average car speed in traffic hasn’t really increased at all.

You can travel up to 15 mph almost instantly when you are on an e-bike, while the average speed of a car in central London is 7.3mph.

According to a report done recently by the Transport Research Laboratory, regular bikes will make it out of the shed less than 25 times a year, with just 46% being used a mere once or twice a week.

According to a report done recently by the Transport Research Laboratory, regular bikes will make it out of the shed less than 25 times a year, with just 46% being used a mere once or twice a week.

By way of comparison, 30% of the people with electric bikes will use them once a day, while a staggering 81% will ride them at least once a week. This translates to e-bike users are twice as likely to get out there and ride as regular riders.

They get you riding more

According to a report done recently by the Transport Research Laboratory, regular bikes will make it out of the shed less than 25 times a year, with just 46% being used a mere once or twice a week.

By way of comparison, 30% of the people with electric bikes will use them once a day, while a staggering 81% will ride them at least once a week. This translates to e-bike users are twice as likely to get out there and ride as regular riders.

They're great for commuting

Not only will e-bikes save you cash, they are also able to free you from the misery of stalemated traffic and overcrowded buses and trains.Even though you are effectively a motor vehicle, you do not need a licence and you are still allowed to use the cycling lanes. Also, because you can lean on that motor a little bit, you won’t work up much of a sweat and arrive at work ponging like a sports sock. The long haul home after a hard day’s slog will not look quite so daunting either.

E-Bike Insurance

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