When it comes to motorcycle insurance, the level of coverage you choose is entirely your own decision, and you should make that choice by taking into account factors such as the value of your vehicle, the area you live in, your experience, and what you intend to use your bike for.

In this blog, we will be running through each level of coverage, going through the differences, the benefits of each, as well as discussing which add-ons will be available to you to add to your policy if you wish to do so.

So without further ado, let’s get into it - shall we?

What are the different types of motorcycle insurance cover?

There are three levels of motorcycle insurance coverage available, including:

Third party only (TPO)

Third-Party Only insurance is the minimum legal requirement when riding your motorbike or scooter on the road, providing coverage for any damage you may cause to a third party's person or property. However third party only will not cover you for your own vehicle if it is damaged in an accident.

Third-party, fire, and theft (TPFT)

Third Party, Fire, and Theft insurance includes Third Party cover but also allows you to claim off your own policy should your vehicle be stolen, or damaged as a result of fire.

Comprehensive (AKA fully comp)

Comprehensive insurance covers as above but enables you to claim for accidental and malicious damage to your vehicle; including, but not limited to, vandalism, a single-vehicle incident or flood damage.

What are the differences between third-party and comprehensive?

The main difference between third-party only and comprehensive insurance is the level of coverage that you benefit from. A third-party insurance policy will cover you for any damage to a third party (person or property) whereas comprehensive insurance will also cover any damage to your bike as well, regardless of whether the incident was your fault or not.

In the table below, we will discuss what each level of motorcycle insurance will provide coverage for:

  Third-Party Damage Theft Fire Own Accident Breakdown Vandalism Natural Disaster
Third-Party X            
TPFT X X X        
Comprehensive X X X X   X X

Comprehensive vs third party: Which insurance is cheapest?

Typically, as a rule, Third Party Only is the cheapest but several factors determine the quote given - it's all based on your personal circumstances such as (but not limited to):

  • Age
  • Location
  • Security/ where it is stored
  • Experience
  • Occupation
  • No. of years No Claims Bonus 

For more on how to get cheaper motorcycle insurance, make sure to check out our fully comprehensive guide!

What other insurance cover add-ons might I need?

Here at Lexham, we can provide you with optional add-ons that you can add to your policy for an extra fee. These add-ons are not essential, and you can pick and choose which ones to add depending on your personal circumstances and preferences.

Excess Protection Insurance

Taking out excess protection insurance is a personal preference. The thought of potentially having to pay out hundreds of pounds on an excess can be quite daunting and many people wish to have the peace of mind, so, this is why excess protection is a popular extra.

Breakdown Cover

Breakdown Cover, as the name suggests, covers when your vehicle has a mechanical breakdown and requires assistance. Here at Lexham, our cover includes home start and roadside assistance and recovery.

Helmet and Leathers Insurance

Helmet and Leathers Insurance covers your motorcycle clothing. So, should they be damaged in the event of a road traffic accident and you need to replace them, this covers up to £1000.

Personal Accident Insurance

Personal Accident Insurance is an extra insurance policy that provides additional cover to supplement your Motor Insurance policy. Personal Accident cover, as the name suggests, provides benefits if you are seriously injured in any non-work related road incident.

Which type of insurance is best for a two-wheeler?

The level of insurance you decide to get for your motorcycle or scooter really does depend on your personal preference and situation. 

If you’re someone who goes on leisurely rides occasionally on the weekends, you may not need or want the same level of insurance as someone who rides their bike every day to and from work - there really is no right or wrong answer to which insurance get to choose, just make sure you provide yourself with enough coverage if the worst was to happen.

Need help with the types of motorcycle insurance cover?

So there you have it, here is our full rundown of everything motorcycle insurance.

Last but not least, if you are in need of motorcycle insurance, make sure to get a quotation direct with Lexham by filling out an online quotation form or giving us a call on 01379 646 529!