Fundamentally, adventure bike insurance uses the same principles as other motorcycle insurance. However, there are some practical differences:

Higher mileage: Adventure riders often cover significantly more miles than other motorcyclists due to touring and exploration. We understand this and can accommodate higher annual mileage where needed.

Dual-purpose use: Your adventure bike might be used for commuting on Monday and green lane exploration on Saturday. We recognise this versatility.

Touring equipment: Adventure bikes are often equipped with expensive panniers, luggage systems and GPS units, which are covered as accessories on your policy.

Green lane riding: We cover green lane riding as these are public roads. Please note we would not cover accident damage that occurs away from a road (such as at off-road parks or on private land).

To get a quote, you'll need:

• Your bike's registration number

• The make and model

• Your riding licence details (what type of licence you hold – A1, A2 or full A)

• Your postcode

• Your date of birth

• Details of any previous claims, convictions or accidents in the last five years

• Your no claims bonus (if you have one)

• How you'll use the bike (commuting, touring, social riding)

• Your estimated annual mileage

• Details of any modifications or touring equipment fitted

Don't worry if you haven't got all the details to hand – request a callback and we can help you through the quote.

It depends what you mean by "off-road."

Green lanes (legal rights of way): Yes, these are covered because they're legally classed as public roads, even though they're unsurfaced.

Off-road parks, pay-and-play sites, or private land: No, we would not cover accident damage that occurs away from a public road.

If you're planning to do regular off-road riding at dedicated venues or on private land, you may need separate off-road insurance. Request a callback if you'd like to discuss your specific riding plans.

There are a few things that can help bring down your premium:

• Fitting additional insurance-approved trackers to your adventure bike can provide discounts. Keep it in a locked garage or secure premises overnight if possible. Please note that mechanical locks are a policy requirement.

• Your riding record makes a big difference. Accruing your no-claims bonus is the single most efficient way of building up discounts on your insurance quote. Try to avoid getting points on your licence or having accidents.

• When setting up your policy, you could choose a higher voluntary excess to lower your insurance premium. However, take care to guarantee you would still be able to afford the excess should a claim arise – and that the value of this excess does not exceed the value of your vehicle. Be realistic about your annual mileage, too – estimating too high will increase your premium.

Request a callback and we can talk through more ways to lower your premium.

Not necessarily more cover, but you do need to make sure your annual mileage is accurate on your policy.

Many adventure riders cover 10,000-15,000+ miles per year, especially if they tour regularly or use their bike for daily commuting. This is absolutely fine – we can accommodate high mileage riders.

The important thing is being honest about your expected mileage when you get your quote. If you underestimate and then need to make a claim, your policy might not be valid.

If your riding patterns change during the year (for example, you decide to do a month-long European tour), contact us and we can update your policy.

Most of our policies include European cover for up to 90 days a year, with a maximum of 30 consecutive days in one trip.

Before you head off, check your policy documents to see:

• Which EU countries you're covered in

• How many days you've got remaining for the year

• What level of cover applies when you're abroad (it might be different to what you have in the UK)

Important: We don't currently offer cover for trips outside Europe.

If you need to extend your European cover or have questions about touring abroad, request a callback before you go.

You need to tell us about any modifications, both when you're getting a quote and any time you make changes during your policy.

For adventure bikes, common modifications include:

• Aftermarket exhausts

• Crash bars and engine protection

• Upgraded suspension

• Auxiliary lighting

• Heated grips

• Custom seats

• Luggage rack modifications

If you're in doubt about whether something counts as a modification, ask us. It's always better to declare something that turns out not to matter than to not declare something that should have been.

Modifications will usually increase your premium, but we'll do what we can to find you the best cover.

Yes, please let us know about any permanent or semi-permanent touring equipment fitted to your adventure bike.

This includes:

• Pannier frames and cases (hard or soft)

• Top boxes

• Tank bags (if permanently mounted)

• Auxiliary fuel tanks

• GPS mounting systems

• Additional lighting

These accessories are covered as part of your policy, but we need to know they're fitted so they're included in your insured value.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.