Guide to insurance speak

We want to help you make sense of the jargon and abbreviations you will find when insurance is being discussed. To do this we have put together the following 'Guide to Insurance-speak', which should help you when you're going through your quotes or policy documents.

The Policyholder 
The person who has taken out the insurance

We/Us/The Company 
Bennetts is an intermediary, so we search the market to help find the best deal for you. Therefore on your schedule you will not see Bennetts as the insurer. Instead you will see the name of the insurance company with whom we have placed your insurance.

Details of policy cover. What you are covered for and what you are not

Evidence required by law. You need this to prove you have got insurance

Changes in the terms of the policy (will be shown in the schedule)
No Claims Discount
Protected No Claims Discount 
This means you can pay an extra amount to protect your no claims discount. You may be limited to two claims in any 3 year period
I.P.T. Insurance Premium Tax.
Compulsory tax levied by the government on all insurance premiums

Compulsory Basic Training for motorcycles

Even when you are insured, if you have an accident you may have to pay some of the claim. The amount of excess you are liable for is outlined in your schedule

Get aBike insurance quotewith Bennetts 
Call us on 0344 209 0496

Get a Bike Insurance QuoteRetrieve a Motorcycle Insurance Quote
Call 0330 018 7990

UK call centre
Lines open 7 days a week
Calls may be monitored

Bennetts is a trading name of Bennetts Biking Services Limited, company number 9028554 registered in England and Wales. Registered address: Enbrook Park, Sandgate, Folkestone, Kent CT20 3SE. For information on how your personal data will be used please read our Privacy & Cookie Policy. © 2000 - 2015 Bennetts. All rights reserved.

^FREE Helmets & Leathers insurance is only provided for qualifying items of protective clothing (such as leathers and all weather clothing, back protectors, helmet, boots and gloves) that are purchased from the BikeNation store with an individual purchase price of £100 or more. Cover is valid for 12 months. Loss, theft or accidental damage (other than from a motorcycle road traffic accident) is excluded. £50 excess applies. Click here for full terms and conditions.

*In February 2015, a survey of 456 bikers by independent research company, Ipsos MORI, found Bennetts cover to be one of the most recommended by riders.

**Prize draw available to direct quotes only obtained before 31st October 2015. Alternatively, entries to win the Suzuki can also be made when visiting the Bennetts Stand at the Isle of Mann TT between 5th – 13th June 2015 and completing the ‘That’s why I ride’  quote and supplying us with your personal information.  For full Terms and Conditions please visit

Bennetts Biking Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services number is 654402.

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