Motorbike
insurance
We'll help you find the right bike policy at the best price.
FAQs
Purchasing My Policy
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Can I get immediate cover?
Yes, providing you have a debit or credit card we can start your cover immediately. If you wish to pay by direct debit you will also need to have your bank details to hand.
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I have selected the wrong start date, can I change it?
You cannot amend the date a policy is due to start. Please call our cancellations team on 0844 561 6034, who will be able to cancel your policy and requote you for the correct start date.
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What should I do if I can't find my bike's make and model?
Please call our sales team on 0800 11 1066.
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Are my details secure over the internet?
Yes, we use industry standard Secure Socket Layer (SSL) 128-bit encryption technology to keep your personal information and credit/debit details as secure as possible.
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I would like to discuss the details of my quote, which number do I call?
You can call our sales team on 0800 11 1066. Please be aware our advisors cannot offer a cheaper price or discount for purchasing over the telephone.
General Enquiries
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Why have you asked me to send in my driving licence?
As part of our ongoing commitment to reduce insurance premiums it is vital that we reduce fraudulent claims. We randomly spot-check the information provided by customers to ensure it is accurate, as this is how the insurer rates policies and determines price. To help with this, you have been randomly selected to send us your documentation in order to validate your insurance policy. We will return the documents to you securely.
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What happens if I have an accident?
If your cover is comprehensive, your insurer can arrange for your vehicle to be recovered and for you to be taken to your destination. They will also instruct their approved repairers. For third party fire and theft cover, accidental damage to your bike is not covered.
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Am I covered to ride other bikes?
Yes, most Hastings Bike Team policies cover you to ride any other bike on a third party only basis, provided the vehicle is insured, the owner has given permission and the vehicle is not owned by yourself as the policyholder. Please see your certificate of insurance or confirmation email to check your cover.
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Can I ride abroad?
Yes, you are automatically covered to ride in any EU country at the minimum level of insurance required. You also have 60 days automatic EU cover included at the same level of cover as you have in the UK if you have a Hastings Direct policy, unless stated otherwise on your policy documents.
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What do I do if I have lost my certificate?
We can send you a new certificate, however a fee of £35 may apply. Please call customer services on 0844 800 3844.
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Will you insure my bike if it has modifications?
Any modifications that improve your bike's value, performance, handling or attractiveness may be unacceptable. Please call one of our sales advisors on 0800 11 1066 for confirmation.
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Can I have more than one bike on my policy?
You can insure more than one bike through us, please call us on 0800 11 1066 to discuss the available options.
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Do I need to report any car accidents on my bike policy?
It's important to disclose anything in the last 5 years relating to driving a car or a bike, as failure to disclose previous incidents or claims could invalidate your policy cover or claim.
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What security devices will reduce my bike premium?
Some insurers offer discounts, you can check this by entering the security device details during your quotation.
Amending My Policy
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What if I want to change some details on my policy?
For any corrections made in the first 21 days, or for any minor changes such as marital status, mileage or occupation, we will not charge a broker fee. Your renewal premium may still increase dependant on your insurer. After the first 21 days any amendments to your policy will incur a broker fee of £35 plus the insurer charge.
For any duplicate documents a fee of £35 applies.
For any failed payments a fee of £10 applies.
Please see full terms and conditions for details. -
I have just incurred a motoring conviction do I need to advise you straight away?
You can call us at anytime to advise if you have incurred a conviction. However, it does not need to be added onto your policy until your next renewal.
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I am moving home - will this affect my premium?
Yes, your address details are one of the criteria your policy is rated on. Your premium will be adjusted accordingly. Please call our customer services team on 0844 800 3844 for details.
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Can I add riders on to my policy?
Yes, providing they meet with the insurer's terms and conditions. Please call our customer services team on 0844 800 3844 for a quote.
My No Claims Discount
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Can I protect my No Claims Discount?
Yes, providing you have 4 or more years we can usually protect this for an additional premium. We may also be able to offer protection if you have 1 year, although the premium will be higher.
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What do I need to send in as my proof of No Claims Discount?
We will always try to contact your previous insurer to confirm your No Claims Discount. As long as you have provided their details, you should not have to send in any documents. However, if we cannot confirm this information, we will ask you to send in either your most recent renewal invite or a letter confirming your No Claims discount from your previous insurer.
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I have had a claim. Can I add protection to my No Claims Discount if I pay the difference?
No. You can only add No Claims Discount protection when you take out a new policy, or at your renewal.
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Can you send me proof of my No Claims Discount?
Your most recent renewal invite is proof of your No Claims Discount. If you do not have this please call 0844 800 3844 and we can send you a letter as proof. Please note we can only send this once a policy is no longer in force.
Payments
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I have missed a direct debit payment. What should I do?
You will need to discuss your options with our team. Please call 0844 8000 549.
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I can't afford to pay for my insurance. What should I do?
If your circumstances have altered, you will need to discuss your options with our team. Please call 0844 8000 549.
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I no longer want my insurance policy so I have cancelled my direct debit. Will this cancel my policy?
No, cancelling your direct debit only means you will stop making payments to us. Your policy will still be in force so you will still be required to pay for your days on cover. If you no longer need insurance you will need to speak to our cancellations team. Fees apply.
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Why has my direct debit amount changed?
If you make any changes to your policy, or if you have missed any payments, your remaining direct debit instalments will be adjusted accordingly. Please call us on 0844 8000 549 to discuss.
Renewing my Policy
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Will my policy automatically renew?
Yes, to make things easier for you, in most cases we operate on an automatic renewal basis. Your renewal documents will clarify what type of policy you have and whether it is set to automatically renew.
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Can I opt out of automatic renewal?
If you would prefer us not to automatically renew your policy please call our renewals hotline 0n 0844 561 6034
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How do I cancel my renewal?
Please call our renewals team to cancel on 0844 561 6034.
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Will I be charged if I cancel my renewal before the start date?
No, the cancellation fees are only applicable once the policy is in force.
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What happens if my policy has renewed automatically but I have taken insurance elsewhere?
We will need to see a copy of your certificate from your new insurer. Providing the certificate shows you took the policy on your renewal date we will issue a refund of any payment we have taken and cancel your renewal from the inception date.
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What happens if I have an on-going claim, or have had a claim after my renewal quote was issued?
Any claim that is still being resolved will affect your renewal price. It will be assessed as a worst case scenario in all cases and once the claim is settled your premium will be adjusted accordingly.
Making a claim
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I have had an accident. How do I make a claim?
If you need to report a claim, you must report it as soon as possible and call our UK based helpline, details of which are in your policy documents.
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What is a total loss?
If the cost of the repairs is more than your vehicle's current market value, it is likely we will consider it to be beyond economic repair. This is often referred to as a total loss. In these cases, we will make you an offer for your vehicle based on it's market value. Please refer to your policy booklet for full details.
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What happens if my car has been stolen/set on fire?
Once you have registered a claim, our Validation team will arrange a telephone conversation with you to discuss the circumstances and what will happen next.
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What is an uninsured loss?
These are costs you may incur as a result of an accident that are not already covered by your motor insurance policy. For example, the policy excess. If you have additional products on your policy, such as legal protection, the provider may be able to assist in recovering reasonable costs from the person responsible.
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What happens if the accident is not my fault?
Our main concern is to get your vehicle repaired or settlement out to you if it is a total loss. We will then try to recover our outlay from the responsible party. If we are successful then making the claim will not affect your No Claims Discount.
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What happens if the accident is my fault?
If you have a comprehensive policy we will arrange for your vehicle to be repaired or settled on a total loss basis, we will also endeavour to contact the third party and assist them in settling their claim as quickly as possible. If you receive any correspondence from any other parties involved in the incident please forward it to us and we will try and respond on your behalf.
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How long will my claim take to settle?
Every claim is different so we are unable to put a timeframe on how long it will take to conclude. We will, however, endeavour to process your claim as quickly as possible with minimal disruption and keep you informed every step of the way.
Other Services
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Do you offer legal protection cover?
Legal cover is an optional extra available to you and covers you for up to £100,000 to claim for uninsured losses in the event of a non fault accident. Please check your policy documents to see if this is included with your policy. If you would like to add this, please call 0844 800 3844.
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Do you offer breakdown cover?
Breakdown cover is not included in your policy; however it is available as an optional extra. Please call our sales team on 0844 800 3844 if you would like to add this to your policy.
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Do you offer personal accident cover?
Personal Accident is an optional extra available to you. It provides valuable benefits for death or certain specified injuries. Please check your policy documents to see if this is included. If you would like to add this to your policy call 0844 800 3844.
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When can I add optional extras onto my policy?
Some extras can be added at any point in your policy, please call our customer services team on 0844 800 3844 for details.
Cancelling my policy
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What if I change my mind and no longer require the policy?
You can cancel your policy at any time. Cancellation, however, is subject to our fee - which is £25 if cover has not started or within the first 14 days and £55 at all other times - plus whatever your insurer charges for your time on cover. Please see full terms and conditions for details.
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Will I have to cancel my policy if I buy a new bike?
No, in most cases we can simply change your vehicle details on your policy. Depending on your new vehicle, the premium will be adjusted accordingly. Please call our customer services team on 0844 800 3844 for a quote. Terms and conditions apply.
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If I cancel my policy, what are the fees?
Cancellation is subject to our fee - which is £25 if cover has not started or within the first 14 days and £55 at all other times - plus the insurer charge for your time on cover. Please see full terms and conditions for details.
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I no longer want my insurance policy so I have cancelled my direct debit. Will this cancel my policy?
No, cancelling your direct debit only means you will stop making payments to us. Your policy will still be in force so you will still be required to pay for your days on cover. If you no longer need insurance you will need to speak to our cancellations team and cancelling is subject to our fee - which is £25 if cover has not started or within the first 14 days and £55 at all other times - plus whatever your insurer will charge for your time on cover.
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How do I cancel my renewal?
Please call our renewals team to cancel on 0844 561 6034.