FAQs
- What does a Garage Endorsement mean?
- Can I carry Pillion Passengers?
- Is a NCD valid if it is from a car?
- How long after not having insurance is my NCD valid?
- Does my insurance cover me for Breakdown in Europe? If not can I pay to have this added onto my policy?
- What happens if you have not got my bike on the system?
- What happens if my security system/device is not listed on the system?
- Can you fax or post my cover note to the dealer I am buying a bike from?
- Can I pay for my policy in instalments?
- Can I have 2 bikes on the same policy but at different levels of cover?
- I want to see how much it would be to insure my bike just Fire and Theft Only (Laid Up) but can't seem to do this?
- What counts as a garage? I have a shed will this do?
- I am going to Europe on holiday do I have to inform you and do I need a green card?
- What if I change my mind about this policy?
What does a Garage Endorsement mean?
A Garage Endorsement states that all the time the bike is within the vicinity of the home address the bike MUST be garaged between the hours of 10pm and 6am. If the bike was stolen between these hours whilst un-garaged at the home address (e.g., left on the road outside the house), then you will not be covered for theft.
Can I carry Pillion Passengers?
This is depending on your insurer. Check your policy documents, or call our Customer Service Team.
Is a NCD valid if it is from a car?
No claims bonus is not transferable from a car and vice versa. However we will endeavour to offer you a discount based on your car experience.
How long after not having insurance is my NCD valid?
No claims bonus is generally valid for 2 years after the expiry or cancellation of your last policy.
Does my insurance cover me for Breakdown in Europe? If not can I pay to have this added onto my policy?
Your Motor Insurance Policy does not cover you for breakdown, however we will shortly be offering you a Breakdown product which gives you complete cover away from the home and can include Europe.
What happens if you have not got my bike on the system?
In this instance, you should contact our Sales Team who will be happy to help.
What happens if my security system/device is not listed on the system?
Generally, if your system or device is not listed, it means that it is not approved by Thatcham or Sold Secure. However, if you are sure that your system/device is approved, please contact our Sales Team.
Can you fax or send my cover note to the dealer I am buying a bike from?
Yes. Just email us on insure@equitygroup.co.uk with the details of the Salesman and the dealers address and we will sent the cover note within the next 3 working days, you will still receive your documentation in the normal way.
Can I pay for my policy in instalments?
Yes, provided that you are over 18 years of age and have a bank account.
Can I have 2 bikes on the same policy but at different levels of cover?
You can insure up to 4 bikes on the Standard Policy. This is depending on which Insurer we have placed you with. Feel free to contact our Customer Service Team who will happy to help.
I want to see how much it would be to insure my bike just Fire and Theft Only (Laid Up) but can't seem to do this?
This is depending on which Insurer we have placed you with. These days Insurers are calculating the premiums assuming that you won't ride your bike for 12 months of the year. Also you may lose your No Claims Bonus. We recommend that you continue your Annual policy, however if you are storing your bike and not riding it, then call our Customer Service Team who will look to find a suitable policy.
What counts as a garage? I have a shed will this do?
Generally a garage is classed as a locked brick built building with a roof. Sheds can be accepted on occasions by contacting our Sales Team.
I am going to Europe on holiday do I have to inform you and do I need a green card?
It is always a good idea to notify us of your travel plans. You do not need a Green Card if you are travelling within the territorial limits of the policy.
What if I change my mind about this policy?
All products have a 14 day right of withdrawal. Should you wish to exercise this right, please return the certificate of insurance. If the policy is cancelled before the commencement of cover a full refund will be made.
If cover has commenced, or if the policy is cancelled after the 14 day withdrawal period and a claim has not been made in the current period of insurance, we will work out the charge for the time you have been covered by your insurance (using our short-period rates shown on the policy) to the date we receive your certificate. We will then refund any amount we owe you.
If the policy is cancelled after the 14 day withdrawal period an administration fee of £21 will apply.
We will not refund any of your premium if you have made a claim during the period of insurance, or if you have a pending claim. If you are paying by instalments, you must pay the balance of the full annual premium.
