Summary of cover

The information below gives you details at a glance to help you decide which product is right for you. Just select any feature below to find out more. We want you to be confident that your policy covers everything you need it to so please be sure to read the full motorcycle policy booklet (PDF 1.44MB) before you decide to buy.

What’s covered: your bike

Loss, theft of, or damage to your bike

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Applies only to loss or damage caused directly by fire, theft or attempted theft (subject to limits and excesses) The market value of your bike

Loss or damage to your motorcycle (£100 excess applies):

  • Pay for your motorcycle to be repaired;
  • Pay you a cash amount equal to the loss or damage; or
  • Replace your motorcycle - see New motorcycle replacement

If your motorcycle cannot be ridden as a result of damage insured under the policy, we will:

  • Protect your motorcycle and take it to the nearest repairers
  • Deliver your motorcycle back to your home address (in the British Isles) once the repairs have been made

The most we will pay out 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.

What isn't covered?

  • General wear and tear, mechanical or electrical breakdowns, or reduction in value
  • Damage to tyres
  • Loss or damage to helmets and protective clothing.

Accident recovery

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Applies only to loss or damage caused directly by fire, theft or attempted theft (subject to limits and excesses) n/a

If your motorcycle is not safe to ride following an accident, we can arrange for someone to come out and help you. If your motorcycle cannot be made roadworthy within a reasonable time, we take it to a repairer. This can be one of your choice if it is nearer — although this may lead to delays in arranging repairs to your motorcycle.

New motorcycle replacement

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Applies only to loss or damage caused directly by fire, theft or attempted theft (subject to limits and excesses) The market value of your bike

We will replace your motorcycle with a new one of the same make and specification (if one is available in the UK) if, within six months of you or your partner buying it from new:

  • The cost of repairing any damage covered by the policy is more than 70% of your motorcycle’s UK list price (including VAT) at the time your motorcycle was bought; or
  • Your motorcycle is stolen and not recovered

We will only replace your motorcycle if:

  • You or your partner own the motorcycle or are buying it under a hire-purchase agreement (not a leasing, contract-hire or other type of agreement);
  • The hire-purchase company agrees; and
  • You, or your partner, are the first registered keeper of your motorcycle.

If you are not eligible for a replacement vehicle, the most we will 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.

What’s covered: your liability to third parties

Liability: yourself and third parties riding or using your bike

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Cover included (subject to limit and excesses) £20,000,000 for property damage

Your liability

You are covered against a person’s death or injury, or damage to their property (subject to certain limits — see the Aviva motorcycle insurance policy document for full details) whilst you are:

  • Riding your motorcycle
  • Riding any other motorcycle in the British Isles as long as it is specified on your policy

We will also insure the following:

  • Any additional named riders on your policy
  • Any passenger travelling on, or getting on or off your motorcycle

We also pay any expenses you have had our written permission to claim.

We insure the above people for any compensation, costs and expenses you may have to pay as a result of you being legally liable following:

  • The death or bodily injury to anyone else for an unlimited amount
  • Damage to anyone else’s property, up to £5,000,000 for all claims arising from any one incident.

What isn’t covered

  • The cover doesn’t apply if the insured person can claim under another policy
  • Death or injury to any employee of the insured person arising from that employee’s duties, unless we must provide cover under the Road Traffic Acts
  • Any claim relating to loss or damage to property that belongs to or is in the care of anyone insured under the policy
  • Damage caused while your motorcycle is being used on certain areas of airports and aerodromes
  • Unless we are liable under the Road Traffic Acts Except to the extent that we are obliged by the Road Traffic acts to provide insurance to:
    1. Any direct or indirect consequence of an act or acts of terrorism, whether or not such consequence has been contributed to by any other cause
      • The use or threat of force and/or violence and/or
      • Harm or damage to life or to property (or the threat of such harm or damage) including but not limited to harm or damage by nuclear, chemical, biological and/or radiological means
      • When any such act is committed by any person(s) or group(s) of persons in whole or in part for political, religious, ideological or similar purposes, or is claimed to be committed in whole or part for such purposes.
    2. Any action taken in controlling, preventing, suppressing or in any other way relating to (1.) above
  • Where we are obliged by the Road Traffic Acts to provide insurance, the maximum amount we will pay for damage to property as a result of any accident or accidents caused by a vehicle or vehicles driven or used by you or any other person and for which cover is provided under this section will be:
    1. £5,000,000 in respect of all claims resulting directly or indirectly from one origination cause; or
    2. Such greater sum that may, in the circumstances, be required to meet the minimum insurance requirements of the Road Traffic Acts

Legal personal representatives

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Cover included (subject to limit and excesses)  

If anyone who is insured under this section dies, his or her legal personal representative is covered for any liability of that person under this section.

Legal costs

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Cover included (subject to limit and excesses)  

We pay the following legal costs if they relate to an incident which is covered under this section:

  • Solicitors’ fees to represent anyone we insure under this section at a coroner’s inquest or fatal accident inquiry, or to defend any proceedings in a magistrates’ court or any higher court
  • Legal representatives’ fees to defend anyone we insure under this section when proceedings are taken for manslaughter, dangerous driving or careless driving when under the influence of drink or drugs causing death.

Emergency treatment

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Cover included (subject to limit and excesses)  

We refund payments which any person, using any motorcycle covered by your policy, has made under the Road Traffic Acts for emergency treatment.

A payment made under this section of the policy will not affect your no-claim discount.

No claim discount (NCD)

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Cover included (subject to limit and excesses)  

If you don’t make any claims on your policy, you receive a no claim discount on your premium when you renew the following year. The discount increases for each additional year you remain claim-free, up to a maximum of five years. You can’t earn a no claim discount on a policy that you have had for less than 12 months.

NCD applies to the policyholder, not the policy; so if we agree to transfer your policy to another person, the NCD that you have already earned under this policy remains with you and does not apply to the person who the policy is being transferred to.

Foreign use (EC compulsory insurance)

Comprehensive cover Third party, fire & theft Policy limits
Cover included (subject to limit and excesses) Cover included (subject to limit and excesses)  

If you ride your motorcycle outside the United Kingdom, your cover automatically meets the minimum legal requirements, usually the equivalent of UK third party only cover.

Further details

As well as providing cover within the territorial limits, this policy, in line with European Union directives, also provides the necessary cover to meet the laws on compulsory insurance of motor vehicles in:

  • Any other country which is a member of the European Union; and
  • Any country which the Commission of the European Communities is satisfied has made arrangements to meet the requirements of Article 7(2) of EC Directive 72/166/EEC relating to civil liabilities arising from using a motor vehicle (eligible countries change from time to time).

The level of cover provided is the minimum required to comply with the laws on the compulsory insurance of motor vehicles of the country in which the accident happens. Where the level of cover in any European Union Member State is less than that provided by the legal minimum requirements of Great Britain, the level of cover that applies in Great Britain will apply in that Member State.

For an additional charge, you can extend your UK level of cover when you ride your motorcycle in the rest of the European Union and some other European countries; please see Extended foreign use to find out more.

Our right to recover payments made under compulsory insurance

Comprehensive cover Third party, fire & theft Policy limits
n/a n/a n/a

If, under the law of any country in which your motorcycle insurance policy covers you, we must settle a claim which we would not otherwise pay. We may recover any claim payment from you or from the person whom the claim was made against.

Additional cover options

European breakdown cover

Comprehensive cover Policy limits
Optional cover which can be added to your policy for an additional cost £2,500

If you’re taking your motorcycle abroad, our European breakdown cover will ensure you arrive at your destination whatever happens.

Motorcycle breakdown

This includes:

  • Roadside assistance
  • Recovery to nearest garage
  • Storage costs
  • Labour and inspection costs
  • The cost of locating and dispatching spare parts

If the RAC Control Centre abroad confirms that:

  • Your motorcycle repairs will take more than 12 hours
  • Your motorcycle is to be returned to the UK; or
  • Your motorcycle has been stolen and not recovered within 24 hours

You are covered for:

  • Additional hotel expenses/cancellation fees up to £25 per person per day (for a room only)
  • We will arrange and pay for up to 10 days self-drive car hire including collision damage waiver, and delivery charge and Green card if needed, or we will pay for standard/second class rail, or both, so that you are able to continue your journey or return home. Any hired car cannot be brought into the UK. A second hire car would be arranged for this purpose if necessary.
  • Motorcycle repatriation
  • Indemnity against overseas customs claims for motorcycles stolen or destroyed by fire.

While you are travelling to the port in the UK you are covered for:

  • Roadside Rescue and Recovery to a local garage (you may have to prove you are travelling to a port as part of your scheduled trip)
  • The cost of returning home to an address in the UK.

Cover also applies while your motorcycle is in transit:

  • Includes loading and unloading between any sea or air ports or railway stations within the territorial limits of the policy, provided that the travel is by a scheduled rail or air service or by any recognised sea passage.

When you have returned to the UK you are covered for:

  • Roadside Rescue and Recovery Service to a local garage from the UK port to an address in the UK
  • Collection of repaired motorcycle from abroad if appropriate

If repairs due to breakdown or fire cannot be completed in time for your return home, we’ll pay the costs of one person to return abroad to collect your motorcycle once the repairs have been made. We pay for:

  • Standard/Second class rail fare plus other public transport costs
  • Petrol costs for your motorcycle from where it has been collected to your home
  • Single homeward cross-channel ferry fare for your motorcycle and one person
  • Single room-only hotel accommodation for one person limited to £25 if this is needed to complete the round trip

If your motorcycle cannot be reasonably repaired as a result of fire or theft which has happened abroad during the journey and:

  • Has to be scrapped under Customs supervision in the country where it is situated
  • Has been stolen abroad during the journey and has not been found
  • We will pay indemnity against Continental or Irish Customs claims for any liability for duty claimed.

Urgent message relay service

If your motorcycle cannot be moved as it has broken down, or has been in an accident, fire, or has been stolen, we pay for the cost of passing on an urgent message from RAC Control Centre to your relatives or a business colleague. We do not pay for:

  • The cost of passing on a message through anyone other than our Control Centre
  • The cost of paying for a message to be passed on to anyone other than a relative or business colleague

Supplying a replacement driver

We will provide onward mobility to enable the policy holder and up to 3 passengers to complete their journey. The policy holder and passengers can either be taken to their chosen destination or to their home address. (Onward mobility will be at the discretion of RAC if a registered doctor declares that the policyholder is medically unfit to ride a motorcycle).

Making your motorcycle secure

If your motorcycle has been subject to attempted theft and a police report has been obtained, we will cover the cost of emergency repairs to make your motorcycle secure.

Accidental loss of, or damage to, your tent

We will pay for tent hire of up to £25 per person per day in the event of accidental damage to, or loss of, your tent. Please note we do not pay for:

  • The cost of meals or any other hotel or extra costs
  • Damage to your tent caused by weather conditions

What isn’t covered

  • Items listed in General exclusions
  • Any costs if the event was not reported to the RAC Control Centre. Limits apply: please read the full terms and conditions which apply to Aviva Motorcycle insurance.
  • Cost of any parts used for repairs at the roadside or at a garage
  • We are unable to provide a hire motorcycle and instead provide a hire car, so the rider will need to have a suitable driving licence or select to take a rail ticket
  • Any ferry or toll charges
  • Cost of meals or any other hotel or extra costs
  • Petrol or oil
  • Personal insurance
  • Collection charge and any other costs with self-drive car hire other than those stated
  • First class rail fares.

Motor Legal

Comprehensive cover Policy limits
Optional cover which can be added to your policy for an additional cost £100,000 to pursue a claim, £10,000 to defend against a motoring prosecution

Expert legal support when you need it most:

  • If you’re involved in a motor accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue compensation from the person who is to blame (eg personal injury, your excess, travel expenses).*
  • We will also pay your legal costs should your claim not be successful.
  • Up to £10,000 legal costs for a lawyer to defend you if you’re being prosecuted for a motoring offence (eg. speeding).
  • 24 hour UK legal helpline - confidential legal advice on motoring issues (eg private vehicle sale).

* The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful.

For further information please see policy wording.

Extended foreign use cover

Comprehensive cover Policy limits
Optional cover which can be added to your policy for an additional cost  

If you ride your motorcycle outside the United Kingdom, your cover automatically meets the minimum legal requirements, usually the equivalent of UK third party only cover. However, for an additional charge, you can extend your UK level of cover when you ride your motorcycle in the rest of the European Union and some other European countries.

Your trip must last 90 days or under, and your motorcycle must be in the UK for a minimum of 6 months of the year. Your motorcycle must be registered in the UK to be covered.

Please call us on 0800 092 9561 before your trip to arrange this additional cover.

Further details

As well as providing cover within the territorial limits, this policy, in line with European Union directives, also provides the necessary cover to meet the laws on compulsory insurance of motor vehicles in:

  • Any other country which is a member of the European Union; and
  • Any country which the Commission of the European Communities is satisfied has made arrangements to meet the requirements of Article 7(2) of EC Directive 72/166/EEC relating to civil liabilities arising from using a motor vehicle (eligible countries change from time to time).

The level of cover provided is the minimum required to comply with the laws on the compulsory insurance of motor vehicles of the country in which the accident happens. Where the level of cover in any European Union Member State is less than that provided by the legal minimum requirements of Great Britain, the level of cover that applies in Great Britain will apply in that Member State.

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