Insurance help & advice

How can I insure a motorcycle test ride?

How can I insure a motorcycle test ride?

I’m planning on buying my first bike, a Kawasaki Ninja 250R advertised in a private sale, soon. If the seller allows me to test ride their bike, where would I stand if I crashed or got stopped, as I...

Insurance advice: Is an R1 write-off worth buying?

Insurance advice: Is an R1 write-off worth buying?

Back in the day I bought my written-off Honda 400/4 back from the insurer and put it back on the road, but that was before the new write-off categories. I know of a Cat-D Yamaha R1 write-off for sale,...

Can I ride my son’s bike on my fully-comp insurance?

Can I ride my son’s bike on my fully-comp insurance?

MCN Compare I’d like to take out my own fully- comp policy on my son’s bike; to ride it occasionally and keep my No Claims Discount (NCD) current. John Squires, email TOP STORIES MotoGP: Lorenzo bids farewell to...

Insuring the ultimate dream machine

Insuring the ultimate dream machine

MCN Compare Some bikes are just ooooffft. You know, the kind you look at and let out a small moan. Where lust and desire meet in equal measure and uncontrollable waves of longing take over any rational thought...

Driver is now denying blame but can I still claim?

Driver is now denying blame but can I still claim?

MCN Compare I was knocked off my bike when a driver changed lanes on a roundabout. At the scene he was very apologetic and said I could claim on his insurance but now he’s saying I was the one who was in the...

Insurance advice: Made to pay for Amber gamble that went bad

Insurance advice: Made to pay for Amber gamble that went bad

I was hurt quite badly in an accident, which was caused by the driver in front of me suddenly slamming on his brakes at a set of traffic lights. The light switched to amber and I thought he was going...

Has my lawyer’s lateness ruined my injury claim?

Has my lawyer’s lateness ruined my injury claim?

I had what I thought was a fairly simple accident claim albeit with serious injuries that have affected my job as a junior doctor, but from a liability perspective should have presented little...

Help! This guy ran out on me while I was filtering

Help! This guy ran out on me while I was filtering

I was filtering past traffic at about 20mph when this guy ran into the road, knocking me off. I got away with bruising but my bike will cost £1500 to repair. I have a witness confirming that it was...

What can I do about my unhelpful expert?

What can I do about my unhelpful expert?

Following a bike accident in October 2014 I am getting mixed messages from the doctors treating me and the doctor instructed by my solicitor in my compensation claim. My treating doctors have...

Does my crash mean double trouble in court?

Does my crash mean double trouble in court?

I had an accident last year when I was overtaking a line of cars that were driving slowly on a B-road. The person at the front of the queue turned right across me to enter a roadside diner, giving me...

Do I have to use solicitors appointed by the ‘other side’?

Do I have to use solicitors appointed by the ‘other side’?

I had a bad accident in January 2015. I had multiple fractures to both legs and was in hospital for six weeks. Early on, the insurer of the car that hit me wrote to me telling me that they have...

I’m being pushed to make a false insurance claim. What should I do?

I’m being pushed to make a false insurance claim. What should I do?

I was recently involved in a very minor accident. I wasn’t injured and there was only minimal paint damage on my bike. It seemed my insurer forwarded my details to one law firm, who passed it on to...

Am I to blame if the other vehicle was on my side?

Am I to blame if the other vehicle was on my side?

I had an off in a near collision with a recovery vehicle on a country road. There was one lane going each way with a double white line. I came round a long bend and the van was a bit over my side of...

How does someone with a brain injury claim?

How does someone with a brain injury claim?

My daughter’s helmet saved her life in an accident a year ago, but her skull was fractured and she had a bleed on the brain. She is back home now but can’t fully look after herself, so my wife and I...

I came off on ‘excessive overbanding’. Can I claim?

I came off on ‘excessive overbanding’. Can I claim?

I lost the rear end on a wet country bend and ended up in a ditch. I hurt my shoulder quite badly, but I was able to pick myself up. When I went to inspect the road I noticed that the overbanding...

Driver says I was riding in the chevroned area

Driver says I was riding in the chevroned area

While filtering past a line of stationary traffic, a car pulled out from my left and hit me, causing me to crash. I would have thought this was obviously his fault. But I was in the area to the right...

Who is to blame for my costly supermarket slip-up?

Who is to blame for my costly supermarket slip-up?

Although the forecourt of a supermarket petrol station on the site of a big branch had been gritted, the access road was untreated and I dropped my bike on a patch of ice lurking by a mini-roundabout.

How do I get an insurance refund?

How do I get an insurance refund?

As I was working in Qatar for a while I put my 2013 BMW R1250GS on SORN a month before the insurance ran out and headed to the airport. My UK mail takes several weeks to be forwarded to me, and I’ve...

Van hit me and now driver says I’m to blame!

Van hit me and now driver says I’m to blame!

In December I was overtaking a long lane of stationary traffic as I rode along a long, straight 60mph road with broken white lines in the middle. With no warning a van pulled out of the queue and...

Computer says ‘no’ when I apply for insurance

Computer says ‘no’ when I apply for insurance

I have been living in France for 13 years, but I am now back in the UK. When I went online to get a quote the process stalled at the question ‘number of years licence held‘ as that is more than 20...

Can I claim if my mate was drunk?

Can I claim if my mate was drunk?

I was riding pillion on my mate’s bike last summer when we clipped a kerb and came off. I was slightly injured so an ambulance and the police turned up. We had been at a friend’s house and although...

Can I save cash on insurance?

Can I save cash on insurance?

Having come to motorcycling relatively late in life at 44, I am really enjoying the experience. But I’ve just got an 18-month overseas contract with work, coming back to the UK three or four times a...

Will collision with fireman leave me seeing red?

Will collision with fireman leave me seeing red?

A few weeks ago I had an accident with a fire engine. The vehicle was definitely speeding at the time and went through a red light, causing the crash. One of the firemen I spoke to afterwards told me...

Am I blowing my cover?

Am I blowing my cover?

Jumping through the hoops of questions while insuring my bikes recently, I’m inevitably asked “Are the bikes fitted with an immobiliser?” In the last few years my reply has been “yes, the...

Injured by farm vehicle, why can’t I claim?

Injured by farm vehicle, why can’t I claim?

Two years ago I suffered serious injuries while working on a farm, when my employer’s son rode a road-legal quad bike into me. I went to a number of different solicitors who all advised me nothing...

Do mods mean my insurance will cost me more?

Do mods mean my insurance will cost me more?

I’m going to get a Honda Fireblade and throw quite a few bolt-on parts at it over the winter to make it into a road-legal trackday bike. I am looking at a quickshifter, free-flowing exhaust and Power...

Should I be worried about insurance small print?

Should I be worried about insurance small print?

I know you should always check an insurance policy carefully before taking it out. But I am Croatian and my English isn’t so good so I am worried that important information will be hidden in the small...

Top Five Middleweight Sportsbike Insurance Bargains

Top Five Middleweight Sportsbike Insurance Bargains

We’ve researched insurance costs for the most popular middleweight sportsbikes on MCN Compare to bring you the cheapest five to insure. MCN Compare brings together top insurance brokers to make sure...

Top Five Middleweight Touring Bike Insurance Bargains

Top Five Middleweight Touring Bike Insurance Bargains

We’ve researched insurance costs for the most popular middleweight touring bikes on MCN Compare to bring you the cheapest five to insure. MCN Compare brings together top insurance brokers to make sure...

Top Five Litre Sportsbike Insurance Bargains

Top Five Litre Sportsbike Insurance Bargains

We’ve researched insurance costs for the most popular litre sportsbikes on MCN Compare to bring you the cheapest five models to insure. MCN Compare brings together top insurance brokers to make sure...

Does no MOT mean no cover?

Does no MOT mean no cover?

We have had our 1982 Moto Guzzi Spada insured with the same company for the past 10 years or so. Since 2011 the bike has not been on the road, so it has been registered SORN and of course the MOT has...

Top Five sporty 600 Insurance Bargains

Top Five sporty 600 Insurance Bargains

We’ve researched insurance costs for the most popular sporty 600’s on MCN Compare to bring you the cheapest five to insure. MCN Compare brings together top insurance brokers to make sure you aren’t...

What could happen if I’m ‘economical’ with the truth?

What could happen if I’m ‘economical’ with the truth?

MCN Compare What could happen if I’m ‘economical’ with the truth? Where you live and where your bike is stored makes a big difference to your insurance premium. So if family members live in a lower risk area than...

The Motor Insurer's Database

The Motor Insurer's Database

MCN Compare What is the Motor Insurer’s Database? The Motor Insurer’s Database (MID) was set up by the UK insurance industry and it is the centralised database of motor insurance policy...

Top Five Large-Capacity Unfaired Bike Insurance Bargains

Top Five Large-Capacity Unfaired Bike Insurance Bargains

MCN Compare We’ve researched insurance costs for the most popular large-capacity unfaired bikes on MCN Compare to bring you the cheapest five to insure. MCN Compare brings together top insurance brokers to make...

Overseas Insurance Coverage

Overseas Insurance Coverage

MCN Compare I have the opportunity to work in Italy for 12 months but I can't find any UK insurance company which will offer 12 months insurance coverage for my bike while I’m living out there. Can you tell me...