Motorcycle
insurance
Third party fire and theft motorcycle insurance cover
Get an online motorcycle insurance quote and instant cover,
up to 50% No Claims Discount*, and the backing of a brand you can trust
- What is covered?
- Motorcycle recovery
- Emergency Medical treatment
- Your liability to third parties
- Excesses
- What isn't covered?
- If your motorcycle is stolen or damaged by fire, lightning, explosion, or attempted theft we either:
- Pay for your motorcycle to be repaired
- Replace your motorcycle
- Pay you a cash amount equal to the loss or damage
If your motorcycle is less than 6months old and was bought from new, we may replace your motorcycle with a new vehicle of the same make and specification.
We deduct an amount for wear, tear and loss of value. The most we pay is the market value of your motorcycle at the time of the loss.
If you are paying for your motorcycle under a hire-purchase or leasing agreement, we pay any claim to the owner described in that agreement. Our liability under the policy then ends.
- If your motorcycle cannot be ridden as a result of damage insured under the policy, we pay reasonable costs for:
- Protecting the motorcycle and removing it to the nearest repairers
- Delivering the motorcycle back to your address in the British Isles after the repairs have been carried out
- If your motorbike is not safe to ride after a fire, lightning, explosion, or attempted theft, call us, and we will arrange for someone to come out and help you
- If your motorcycle cannot be made roadworthy within a reasonable time, we will take it to a repairer. This can be a repairer of your choice if this is nearer - although this may lead to delays in arranging repairs to your motorcycle
3. Emergency Medical treatment
We will reimburse any person using your motorcycle for any emergency medical treatment payments they have to make under the Road Traffic Acts.
4. Your liability to third parties
We will pay any compensation costs and expenses you may have to pay as a result of you being legally liable for the following:
- Death or bodily injury to anyone else for an unlimited amount
- Damage to anyone else's property for up to £5,000,000 for any or all claims arising from any one incident
We pay the following legal costs if they relate to an incident under this section:
- Fees of solicitors we ask to represent anyone we insure
- Fees of legal representatives we ask to defend anyone we insure
You pay an excess if your motorcycle is stolen or damaged by fire as shown in the summary of cover. If your motorcycle is being ridden by anyone under 25 years additional excesses apply. Remember to check the details on your quote and note that excesses do not apply to payments made to a third party.
- Items listed in General Exclusions
- Loss of use, reduction in value, wear and tear, or mechanical, electrical or computer breakdowns, failures or breakages
- Damage to tyres by braking or by puncture, cuts or bursts
- Loss or damage directly caused by pressure waves caused by an aircraft or other flying objects travelling at or above the speed of sound
- Loss of value following a repair
- Loss or damage arising from theft while your ignition keys have been left in or on your motorcycle
- Loss or damage to helmets and protective clothing
- Loss or damage to spare parts by theft if the motorcycle is not stolen at the same time
Motorcycle insurance from Norwich Union
Find out what our motorcycle insurance covers:
Or call
0800 092 9561†
