Motorcycle insurance is mandatory, like car insurance. If you have a motorbike then you need to have motorbike insurance for it. Motorbikes are insured to provide cover in case they are involved in an accident that causes damage to another vehicle, person or property.
Motorcyclists can also take out third party fire and theft cover for their bike, which covers the cost of repairs to another vehicle or for replacement of the bike in case it is damaged in a fire or is stolen.
Motorcycle insurance comes under two categories. A specified rider policy provides cover for the person who rides the bike, not the bike itself. It means that person is insured no matter what bike they are riding – regardless of size or power. A specified bike policy insures a particular bike, and not the rider. It provides automatic insurance for anyone else who rides the bike.
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