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.

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