INSURANCE FOR YOU | MOTOR

Motorcycle Insurance

We know that your bike is more that just a means of transport, it’s a way of life, we can tailor policies that address the needs of all motorbike owns from classic and sports bikes to mopeds and quadbikes.

Ready to start your experience with us? Contact us

Why choose us?

Detailed Bike Experience

Over 45 years’ experience placing motor bike insurance.

Competitive Premiums

Wide panel of insurers to get the best cover at a competitive price.

Dedicated Team

Handler and claims support team to help you throughout.

Let The Experts Do The Work

It’s so easy nowadays to browse the internet looking for ‘Cheap Insurance’ but it can also be stressful having to look at policy conditions/ exclusions and making sure that you are actually covered on the right basis. We look to help you and understand your needs and what is important to you when buying insurance.

Let The Experts Do The Work

It’s so easy nowadays to browse the internet looking for ‘Cheap Insurance’ but it can also be stressful having to look at policy conditions/ exclusions and making sure that you are actually covered on the right basis. We look to help you and understand your needs and what is important to you when buying insurance.

Coverage Levels

Just like car insurance, motorbike insurance coverage levels are of three types:

Third Party
Third party only insurance is the minimum level of cover you are required to have by law in order to use a motor vehicle on a public road. As the name suggests it protects others – third parties –  their vehicles and property if they are involved in an accident for which you are to blame. With Third Party cover you and your vehicle are not covered although any passengers or pillions you carry would be insured. When a claim is made against a third party policy, the policyholder is not required to pay an excess.

Third Party Fire and Theft
Third party fire and theft insurance will offer you the same level of cover as Third Party Only, plus protection against loss from fire or theft. An excess is only payable for fire and theft claims.

Comprehensive Insurance
Comprehensive insurance provides the same level of protection as Third party Fire and Theft, plus cover against accidental damage to your vehicle. This means that regardless of who is to blame for an accident, or your vehicle is damaged by accident, you are covered for loss or damage to your vehicle.  If the damage is accidental, your No Claims Bonus could be reduced.

How You Influence Your Premium

All motorcycle insurance companies take your personal circumstances into account when calculating a motorcycle quote for you

Your Age and Occupation
Under 25s are usually regarded as higher risk riders, and motorcyclists with certain occupations may have to pay a higher premium.

Where You Live
Living in a city with a greater volume of traffic could increase the risk of an accident and this is considered a higher risk than quiet rural areas.

Previous Claims and Convictions
Make sure you also tell us about any previous claims you may have made on your insurance (including car, van etc.) during the past five years, and if you have any motoring (or other) convictions, including any which are pending.

Advanced Riding Courses
The completion of advanced riding courses may be able to secure you a discount, as this shows you invested in improving your riding skills and should be safer on the road

NCD
Your No Claims Discount is reflective of the number of years claim free riding you have. The more years you have the better, and this represents a lower risk for insurance purposes.

Mileage
If you’re on your bike often, you’ll be clocking up more miles and this represents a further risk. Also, whether you commute during busy periods or only ride your bike socially, this will affect your price.

Multiple Riders
If you want to add another person onto your motorcycle insurance policy (a named rider) you’ll also need to be aware that younger, or higher risk riders, will cause the premium to increase. Learner riders will also increase the overall cost of your policy.

Voluntary Excess
As with any insurance, the more voluntary excess you choose, the less you pay for insurance. Ask yourself, how much you can bear in the event of a mishap. That is your ideal voluntary excess.

Motorcycle Security
If your bike has an alarm fitted, uses a high-quality immobiliser or bike lock, and it is kept in a secure garage or lock-up when it is not being used, it could get you a reduction in your price

 

Simply pick up the phone today and contact one of our personal lines account handlers on 01270 758070 who will talk you through all requirements. Or contact us here. Feel safe in our hands.

“I’ve insured my bike with R K Henshall for over 5 years. They look after my car and home insurance too, so it made sense for them to do the bike insurance too. I have formed a good relationship with the team and they give a great personal service I really appreciate.

Mr Bennett, Nantwich
More here

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Our Location

The Grove, Mill Lane,
Wheelock, Sandbach,
Cheshire, CW11 4RD.
Telephone: +44 (0)1270 758070
Fax: +44 (0)1270 758059

R.K. Henshall © 2021

R K Henshall & Co Ltd are Independent Intermediaries and are authorised and regulated by the Financial Conduct Authority. Directors: J.R. Henshall B.A.(Hons) ACII Cert CII (FS), A.J.Simpson ACII, T.R.Dredge DIP CII, A.Brown FCCA. Director/Company Secretary R.K. Henshall ACII. Registered No. 1285024

R K Henshall are very proud to support Lupus UK. Lupus UK is a charity very close to our hearts. Unfortunately, Nita Davies who had been a stalwart of our company from it’s very beginning lost her battle against this terrible illness in 2013. Lupus UK is the only National Charity which supports people with the immune system illness. (Registered charity nos. 1051610, SC039682) Click here to read more about Lupus UK.