Written by Graham Cutbill-White
There’s nothing like hitting the open road on your motorbike. But while getting on two wheels might offer an abundance of freedom, you need to make sure you’re protected and on the right side of the law first.
Yes. As with any road vehicle, the law states you must be covered by an insurance policy. That policy must name you and apply to whatever vehicle – a car or bike – that you want to drive. However, you have plenty of options when it comes to the type and level of cover you would like.
That depends on your circumstances. If you own your bike and you’re out on it very often, a good annual policy makes lots of sense.
But 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.
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 viable options, if you only want to use the bike for a day, you’ll find you have to pay for cover you don’t need this way.
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.
Temporary motorbike insurance is the flexible and affordable solution for riders who only need cover for a short period of time. With a temporary policy, you’re covered for the time you want, from one day to one week.
Unlike an annual policy, paying for just 1-day bike insurance (or up to a week) 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 just isn’t worth the expense.
Whether you’re borrowing a friend’s or have a classic bike you only ride occasionally, this means it’s often the best option for getting cover that works around you.
Comprehensive cover comes as standard, so everyone is covered. Because it’s a separate policy the bike owner’s no claims discount is protected, potentially saving a lot of money in the future and giving you peace of mind while you ride.
With a temporary policy, you only pay for when you actually need it, from one day cover up to one-week motorbike insurance. It works around your schedule and puts you in control of the policy.
You can purchase a 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 almost all ages, including our insurance for young riders, including those from a wide range of backgrounds. While there are some restrictions, we’re confident we can cover most riders.
There are lots of scenarios where short term motorcycle insurance can come in handy, including:
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 two wheels for a bit.
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 a suitable 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 only really need one day motorbike insurance.
The simplest and most affordable way to get cover through short term motorbike insurance. 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.
If you’re buying a new bike, then you’ll definitely want to try it out before you pay for it, and that means taking it for a test ride.
And it’s important to remember that while on a test ride, you still need to be properly insured.
You could ask to 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 is processed.
That’s why, if you just want cover for just a day or two, then temp motorcycle insurance is perfect for you. Even if you arrange a test ride at short notice, you can get insurance almost instantly that starts when you want it to.
The quickest way to get comprehensive cover, that protects everyone if you have an accident, is to purchase temp motorbike 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.
Once you’ve done the test ride and decided the bike’s right for you, you’ll want to pick it up and get it home as soon as possible. But if 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 on your new wheels.
If you want to take the time to choose the right annual insurance, but still pick up the bike that same day, you can get a one or two-day short term motorbike insurance policy that offers you comprehensive cover. Once you’ve purchased a 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 ride!
For many riders, getting on a bike is an occasional event. Perhaps you 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 short term motorcycle 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.
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.
Yes, you can insure a bike for just one day. A short-term policy can last from 1 day to 1 week 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 motorbike insurance can be the perfect solution.
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 one day motorcycle insurance.
The panel of insurers we work with don’t offer a one-month temporary motorbike insurance policy at the moment. But in theory, there’s nothing stopping you from taking out several one-week motorbike insurance policies in succession, you’d just need to reapply and pay for the arrangement each time.
Yes. You don’t have to be the legal owner to get insured to drive any vehicle. But the owner will need to have a policy that they’re named on if they still want to drive it – and your new policy doesn’t include them unless you directly request so. It also doesn’t replace their policy, there can be more than one policy on a bike at a given time.
You could if your insurer offers a ‘multicar’ type arrangement, but this could be a drawn-out process and cause big changes to your premiums. If you’d like to ride another bike for a short while, it can often make out more sense to take out a separate, short term insurance policy instead.
How much you’ll pay for any motor insurance policy depends on lots of factors. Some of these are out of your control, such as your age and where you live, while the rest will be determined by the policy type of your choosing – including its length and the level of cover.
While premiums will vary significantly, the average annual motorcycle insurance policy comes in at around £340 a year for comprehensive cover. Meanwhile, short term motorcycle cover starts from as little as £20 a week, which is why it’s a sensible choice if you only use a motorbike some of the time.
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 motorcycle’s 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 19 and over can get motorbike insurance for 1 day.
Once you’ve got a quote, you can then customise it to suit your situation. You pick the time you want the policy to begin, so you don’t pay for any cover you don’t need. You can also purchase a range of affordable extras to give you that little bit more security while out on the road, should you wish.
When you’ve customised the policy to your liking, you can pay with a credit or debit card, or even with PayPal. Your 1-day motorbike insurance policy documents will then be emailed to you instantly, so you have proof of your cover if you ever need it. You’re then ready 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.
Start a quick and easy quote now and get one day motorbike insurance in minutes
You can get insurance for all sorts of different circumstances with Tempcover, not just motorbike cover. Take a look at our homepage to see what different options there are.