Bikesure Motorcycle Insurance Review: The Bike Insurance for You?
Good for
- Motorcycle specialist broker
- SORN, short-term, classic, young rider, etc.
- £100,000 free Legal cover
- EU cover
- Competitive prices
Bad for
- Not the cheapest
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.
Bikesure Insurance, one of the top 10 UK motorcycle insurance brands, is Adrian Flux's high-quality, specialist motorcycle broker with access to 40 different motorbike and moped insurance schemes to suit most needs. Customers can expect competitive prices and helpful customer service, plus Bikesure provides many niche products, such as short-term bike insurance, multibike policies or cover for superbikes, grey imports, or other unusual motorbikes.
- Bikesure Insurance: Our Thoughts
- Bikesure Bike Insurance
- Bikesure Customer Reviews, Complaints and Ratings
Bikesure: Solid Reviews and Good Pricing
One of the leading specialist motorcycle brokers in the UK, BikeSure offers good motorbike insurance rates for learners, younger riders, experienced riders, commuters and motor biking enthusiasts. In addition to regular motorbike insurance, BikeSure offers Classic, Custom, Quad, scooter and moped cover, plus cover for modifications and customized bikes.
Riders with motoring convictions and criminal convictions may be covered and those going on a road trip can get up to 180 days' European travel, up to 90 days per trip. Laid Up and Short Term cover are also available. Every policy comes with £100,000 of free legal cover and EU cover, plus BikeSure also offers optional add-on coverages including personal injury, comprehensive breakdown and helmet & leathers.
Bikesure Motorcycle Insurance
Bikesure is a reliable, specialist motorcycle insurer, which offers a wide range of features and coverages to suit most people. For example, they can offer cover for superbikes, imports, SORN, young riders, short-term cover, etc. at competitive prices. On top of that, prices are competitive and the company receives good marks from customers.
Bikesure Coverage
Their five-star motorcycle insurance can be tailored to your needs and can include:
- Multi-bike policies allow you to cover all your bikes of any type on one low-cost policy, including scooters, quads and trikes
- Cover for disclosed accessories fitted to your bike
- Repairs carried out by our approved provider are guaranteed for three years
- No loss of bonus or excess if you are hit by an uninsured driver
- Claims reporting and assistance service open 24hr
- Replacement bike provided if brand new motorcycle is written off in first six months from date of first registration
- European commission country cover for 90 days
- Agreed value option for classic, custom and modified motorbikes
- Great rates for riders with zero no claims bonus
- Riders with motoring convictions or criminal convictions covered
- Motorbike modifications and customisations covered
- Easy payment options even for 16-year-olds (subject to guarantor)
- Legal cover up to £100,000 included free of charge
- Wide range of add-ons available, including personal injury cover, breakdown cover and clothing and helmet insurance
Bikesure Motorcycle Insurance Discounts
Bikesure offers a number of discounts to help bring down your motorcycle insurance rate. Most discounts are standard across the industry and depend on your driving history and the security of your bike when it's not being ridden. For instance, securing your bike in a locked garage when not in use can save you around 20% on comprehensive cover, depending on your particular details. Below, we provide details on a few Bikesure motorcycle insurance discounts.
| Bikesure Bike Insurance Discounts | How Do You Earn It? |
|---|---|
| Where You Park | Keeping your bike garaged while it's not being ridden can drop the rate by 10% to 30% |
| Driving Record | If you're a good driver, don't speed and don't have any motoring convictions, you should get a lower price |
| No Claims | If you don't have any claims, your motorcycle quote can be lower by 15% to 70% |
| Bike Security | Extra locks or an alarm on your bike might secure you a discount of between 5% and 15% |
| Riding Skills | Taking an insurer-approved advanced riding class (e.g., Enhanced Rider Scheme, Royal Society for the Prevention of Accidents (RoSPA) and the Institute of Advanced Motorists (IAM)) to potentially save up to 10% |
| Riding Clubs | Bikesure offers members of the British Motorcyclists Federation (BMF) and the Motorcycle Action Group (MAG) a discount of up to 25% |
| Multibike | Save up to 10% to 50% when insuring more than one bike with Bikesure |
| Mileage | Track and report your mileage so you don't overstate the number of miles you drive per year, to potentially save 5% to 25% |
| Pay Annually | By making an upfront payment for the entire year instead of paying monthly, you won't pay interest charges and can save 10% to 15% |
Bikesure Motorcycle Insurance Extra Coverages
Bikesure motorcycle insurance policies are stripped back to basics, helping keep insurance rates low. For extra coverages like breakdown or helmet & leathers, you'll need to pay extra. For example, Bikesure's breakdown cover starts at £62 per year and will fix or recover your vehicle at the side of the road in the UK or EU. Details of Bikesure optional extras are shown in the table below.
| Bikesure Extra Coverages | Description | Premium from |
|---|---|---|
| Helmet and Leathers | Damaged motorcycle clothing will be repaired or replaced up to £1,000 | £29.99 |
| Personal Accident | Additional compensation in the event of accidental death, loss of sight, loss of limbs and road rage assault, up to £12,500 | £19 |
| Breakdown cover | Including 24 hour UK and EU roadside assistance and recovery, reimbursement for emergency accommodation, hire of an equivalent bike and transport home, to a garage or to a destination of your choice | From £62 |
| Excess Protection | Cover for excess you paid, up to £300, £500 or £1,000 (depending on premium paid) in the event of a claim, including non-fault claims where you haven't been able to recover your excess from a liable third party within 6 months | From £34.99 |
| Keys | Cover for locksmith expenses, replacement locks and keys, car immobilizer replacement costs, and transport costs if you're stranded, up to £1,500 | £19 |
| Ride Any Bike | Up to a £5,000 claims limit, accidental damage, third party, fire, and theft cover included, and no need to let Bikesure know every time you borrow a new bike | get a quote |
| Agreed Value | Funds for a replacement bike at the full value of your bike, if it's written off | get a quote |
Bikesure Scooter Insurance and Bikesure Moped Insurance
Bikesure can offer scooter and moped insurance for most makes and models, including the recent explosion of imported Chinese mopeds and scooters. If you need scooter or moped insurance, consider a Bikesure insurance policy if you want a competitive rate and good customer service. With Bikesure, you'll have access to the same discounts and features mentioned above in the discussion of motorcycle insurance.
Bikesure Bike Insurance Quotes
Are Bikesure's bike insurance quotes competitive? It seems that varies from person to person, and bike to bike. Bikesure really stood out for low premiums for young riders. Whilst not the absolute cheapest, you may pay a lower compulsory excess with Bikesure should you need to claim, and extras like helmet & leathers and personal accident cost less at Bikesure than competitors Lexham and Just Motorcycle Insurance.
You can sometimes save money on your premium by opting for a plan with a higher excess, but you'll be out of pocket for the amount of that higher excess should you need to claim. Some people prefer to pay a higher premium now, so they pay a lower excess should a claim arise.
Bikesure Customer Reviews, Complaints and Ratings
Bikesure's customers give the company quite high marks for an insurer, which many reviews noting the helpful and polite customer service representatives and attractive pricing. Of the few complaints we've read, many related to Bikesure asking a lot of questions as part of the quote process. While this may take some time, a complete profile is necessary to help an insurer provide the best quote for each individual's unique situation.
On Trustpilot, over 16450 customers have awarded Bikesure with a solid 4.3 out of 5 stars. And around 70% ratings were 'Excellent'. Here are a few comments that might be useful to give a flavour of the typical experience:
"My insurance was due for renewal, where I received a call from bikesure to check all was ok and if they could match any other offers out on the market. They happily fully checked everything and managed to reduce my renewal quote by a significant margin, so I renewed. Very happy with the service financially and in terms of pleasant customer service."
"Such a pleasure dealing with this company. They will spend extra time and go above and beyond to find the best offer and look through different combination of options available. It’s the only company I feel doesn’t treat me like a generic biker but takes into account a lot of my personal circumstances. Got an unbeatable premium quote on my new bike because I was insured with them previously, some insurers even refused to insure me. Happy happy customer!"
"I renewed my policy simply because unlike every other policy renewal notice that I've had recently actually went down from the previous year so I didn't even think about looking elsewhere as the policy has absolutely everything I need. Every other policy got renewed elsewhere!"
"Bought a recent imported bike, needed to register it for which I needed insurance. Several companies declined to insure it without the registration number. Bikesure went the extra mile with a "can do" attitude. The chap on the phone was very knowledgeable and couldn't help me enough. Very highly recommended."
Bikesure Online Tools
Bikesure policyholders can create an online account, on which you can view your policy details, such as cover, riders, your personal details and policy excesses. In addition, you're able to download your policy booklet, complete your agreed value form, upload photos, complete any outstanding paperwork or forms, access your Premium Credit account (for those who pay monthly) and change your email address or password if necessary.
Bikesure has plans to add online functionality including the ability to download your certificate and schedule and also to make payments.
The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.