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Regardless of how old or experienced you may be, it is illegal to ride a motorbike on a public road without some form of motorbike insurance policy in place. It does not matter what level of cover is chosen, whether it is the most basic, Third Party, or the most complete, Fully Comprehensive, as long as it is in place during any time that the motorbike spends on a public road.

Many people believe motorbike insurance is a feature that is not required and simply another way to make money out of people unnecessarily. Whilst this may seem like the case for some, particularly for those who have been riding for 40 years and have never made a claim, this is far from the truth and the main reason is to protect the policy holder in the event of an accident.

For example, holding a Fully Comprehensive motorbike insurance policy will cover you in a vast array of different eventualities. For instance, should you be involved in an accident which was caused by an uninsured rider, your motorbike was written off and you sustained serious injuries, a quality and complete Fully Comprehensive policy will cover all medical and legal expenses, as well as providing the true market value for your motorbike. When an insurance policy is not claimed on, it can seem useless, but in scenarios like this, where the overall cost could easily be several tens of thousands of pounds, the policy proves invaluable.

Of course, Fully Comprehensive is not a necessary requirement and only Third Party, the basic level of insurance, is stated as a requirement by law. Whilst this is not a particularly popular option due to the lack of cover it provides (Third Party only covers the policy holder by paying out any costs incurred by the third party, if they are involved in an accident with another person), a high quality Third Party insurance policy can offer more than adequate cover in some instances.

A prime example is for the person who has purchased a cheap motorbike for their short two mile commuting journey every day. Firstly, as they start work at five in the morning, there is only a minimal amount of cars on the road, so the overall risk of being involved in an accident is greatly reduced. Secondly, as the motorbike that is insured is only worth a few hundred pounds, there is no major risk to the insurance company of them having to pay out a substantial amount of money, as if the policy excess was two hundred pounds and the motorbike was only worth three hundred pounds, the insurance company would be paying a minimal one hundred pounds, which would reduce the cost of the premium considerably.

It is a necessity by UK law to have a motorbike insurance policy in place before the motorbike is taken out on a public road. However, it is important to remember that there are no set requirements as to what level of cover has to be purchased and therefore the most suitable and appropriate option should be chosen to suit your individual needs.

Kwik Fit Bike Insurance have a team dedicated solely to finding the best possible deals in motorcycle cover - and have an 18-strong panel of leading insurers specialising in quality Motorbike Insurance and Motorcycle Insurance Services

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