Skip to main content

What cover do we offer and what's included?

Bennetts offers different levels of insurance. To help make the experience of buying insurance simple and easy below you will see the different choices of insurance cover and the benefits Bennetts insurance provides.

Whether you are opting for comprehensive bike insurancethird party fire & theft, or third party only, this will help you compare cover and make that all important decision.  Always make sure you read your policy documents carefully for full details of your cover and terms and conditions.

bennetts_renewal_accept
Defaqto rating
Trustpilot rating

Insurance cover options

As well as getting our best price for the cover you need from our panel of insurers we also offer the following:

Fully comprehensive

Comprehensive motorcycle insurance covers you for everything included in third party and third party fire and theft but also includes cover for accidents that are your own fault. So, whether you incur a loss because your bike or scooter is stolen, you hit a car vehicle or another rider, or fall off through your own mistake or environmental conditions, your insurer will not only pay the other party’s losses but your own as well.

Third party fire and theft

The motorcycle fire and theft insurance cover takes the basic cover of third party only but includes additional cover. If your bike or scooter is stolen or damaged beyond repair in a fire, you will have cover to receive a payout that will allow you to buy a similar motorcycle of the same age in the same condition. If your stolen motorbike is recovered, your insurer will pay to have any damage put right. While this covers you for more than the most basic insurance policy, it still won’t cover any damage to your bike if you have an accident that is your fault. It will, however, cover losses for anyone else involved if it is your fault.

Third party only

Third party only motorcycle insurance is the most basic (and usually the cheapest) form of motorcycle (or scooter) cover you can have to comply with the law. If you have third party only cover and are involved in an accident your insurance will only cover losses and damage to anyone else involved. If the accident wasn’t your fault you will have to recover any of your losses from the other party and that will mean proving beyond all doubt that the accident was their fault.

Insurance for your classic bike

It’s hard to put a price on nostalgia. So, to help you enjoy the ride without the worries, our insurance for classic bikes comes with optional agreed valuations, show and event cover and no admin fees for additional modifications. We search our panel of insurers to find you our best price for the cover you need.

  • Optional agreed value

  • Insure classic and modern bikes on one multi-bike policy

  • Show and events cover

  • Salvage retention cover

  • No admin fee for additional bike modifications

Extra Cover

Our legal expenses cover can help protect you in the event of an accident that isn't your fault. The cover provides up to £100,000 towards redeeming any expenses you incur throughout the claim.

We also offer personal accident cover, which could provide a one-off cash payment (up to £15,000) in the event of a more serious accident, along with our motorcycle helmet and leathers cover which protects your gear against damage caused (up to £1,500). You can also choose RAC breakdown cover to provide roadside rescue when you need it.

The additional Cover Options are provided by a number of insurers who all meet our high standards of quality and service. Terms and conditions apply to all additional cover options.

What customers say about us

Get more from motorcycling with BikeSocial Membership

BikeSocial Membership allows riders to get more from motorcycling through discount codes, competitions, training, events, unique experiences at BSB and the best track days in the UK.

BikeSocial Membership includes:

  • Discounts

    From retailers for motorcycle consumables, performance parts and aftermarket accessories.

  • Exclusive access

    Get access to competitions, special accommodation and tour offers, plus exclusives on kit, helmets and clothing.

  • VIP experience

    With VIP experiences and offers you, your friends and family have plenty to choose from when you join BikeSocial.

Visit Bikesocial Membership

A BikeSocial Membership worth £60 is free for all our customers who purchase motorbike insurance directly from Bennetts. Customers who purchase via a comparison website can also benefit from BikeSocial Membership at a discounted price.

With over 100 available rewards you have access to a range of products and services that are designed for motorcyclists, by motorcyclists.

Quite simply, a membership to BikeSocial is all about helping you get more from motorcycling. You’ll find a range of offers and discounts, VIP access to events, unique experiences and plenty of BikeSocial member exclusives.

No claims discount (NCD) protection

As a safe rider with a four years or more no claims bonus under your belt, you can now protect this should you be involved in an accident or have your bike stolen. You are allowed 2 fault claims in a 5 year period (subject to insurer and terms & conditions). Please check endorsements on your policy documentation.

Choose this as an option at quote stage of your purchase process.


  • You can tailor your bike insurance quote with Bennetts simply by calling our dedicated Call Centre on 0344 412 2171.

Get a quote

We search our panel of insurers to find you our best price for the cover you need