Discover why short term cover is ideal for bikers!
What is short term motorcycle insurance?
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.
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.
You can purchase a short-term 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 riders aged 17-70 from a wide range of backgrounds. While there are some restrictions, we’re confident we can cover most riders.
When is temporary motorbike insurance the best option?
Borrowing a bike
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 a bike.
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 the right 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’re only borrowing the bike for one day.
The simplest and most affordable way to get cover is with a temporary policy. 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.
On a test ride
If you’re buying a new bike then you’ll definitely want to try it out before you pay for it and the best way to see if it’s the right fit for you is to take it for a test ride.
It’s important to remember that while on a test ride you need to be properly insured.
Riding a motorcycle when you don’t have the right insurance is a criminal offence and you could face an unlimited fine, points on your license and even disqualification from riding.
It’s easy to get the right insurance and if you just want it for a day then short term motorcycle insurance is perfect for you. It’s quick and simple to arrange and even you arrange a test ride at short notice, you can get insurance instantly.
You can 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 process.
The quickest way to get comprehensive cover that protects everyone if you have an accident is to purchase temporary motorcycle 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.
Picking up a new bike
Once you’ve done the test ride and decided the bikes right for you, you’ll want to pick it up and ride it as soon as possible. If however 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 your new vehicle.
If you want to take the time to choose the right annual insurance and still ride away on your new bike, you can get a one or two-day policy that offers you comprehensive cover. Once you’ve purchased a short term 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 toy!
Why choose short-term motorbike cover over an annual policy?
For many riders, getting on a bike is an occasional event. You could 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 temporary bike 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.
It’s important to remember that while it’s a great alternative for occasional riders, any motorcycle you are planning to use on the road must either be covered by an annual insurance or have been declared SORN (statutory off-road notification).
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.