Frequently Asked Questions

We hope that the FAQs below are helpful. If you cannot find the information you are looking for, please call us and we would be happy to answer any questions.


  1. What is an Excess?

    An excess is a contribution you are required to pay towards a claim you make on your motorcycle insurance policy.

  2. What is the difference between a Compulsory and Voluntary Excess?

    A compulsory excess is a mandatory amount that an Insurer has specified to underwrite a particular policy. A voluntary excess is your own choice and is always in addition to a compulsory excess. So for example if your compulsory excess is £300 and you have chosen a voluntary excess of £100, your total excess is £400.

    Selecting a voluntary excess may help to further reduce your insurance premium, please make sure that you are comfortable with the total excess.

  3. What is No Claims Discount (NCD)?

    A no claims discount (NCD), or no claims bonus, is a count of the number of years in which you haven’t made a claim on your motorcycle insurance policy. For each claim free year you will be awarded 1 years NCD. Accumulating NCD may help to reduce your premium as well as opening up an insurer's acceptability to insure you on certain motorcycles.

    Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.

  4. What is Protected No Claims Discount (PNCD) cover?

    If you have accumulated 4 or more years NCD and have no more than one claim in the past five years, you can protect your NCD by paying an additional premium.

    If you have no more than 2 claims in any 5-year period, your NCD entitlement will be unchanged and your NCD will not be reduced. If you make 2 claims in any 5-year period your NCD protection will end, meaning that the third and any further claims will reduce your NCD

    Protected NCD does not protect the overall price of your policy. The price of your policy may increase following an accident even if you were not at fault, however it does ensure your no claims discount is not reduced, further impacting your renewal premium.

    Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.

  5. Can I use my No claims bonus/discount (NCD) from my car insurance?

    In summary no, the NCD needs to be built up on a motorcycle. However in some circumstances we may be able to take NCD not built up on a motorcycle into account, we ask for details of other non motorcycle NCD on our quote journey so please make sure you provide details.

  6. I have purchased a second motorcycle and want to take out a policy, can I use my NCD?

    You can only use one set of NCD on one motorcycle at a time. If you do not have a second set of NCD please call us as we may be able to offer you a multi bike policy or apply a discount to recognise your experience.

  7. Does my policy cover me for riding other motorcycles?

    Your policy may cover you to ride other bikes, please check your insurance schedule and insurance certificate to see if this cover applies to you. It is best to check this when you take out or renew your policy.

  8. Does my motorcycle insurance policy cover me for riding abroad?

    Your motorcycle insurance policy will automatically allow you to ride in any countries that are part of the European Union for a period not exceeding 90 days. However it does not cover you for travel outside the European Union. Please see Section 4 of your Policy Document for more details.

  9. Do I need to declare non motorcycle claims or driving convictions?

    Yes, you must declare any claims or driving convictions irrespective of the vehicle they relate to. In some circumstances, subject to criteria, we may be able to waive the impact to your motorcycle insurance policy.