Motorbike Equipment Insurance

When you are riding your motorcycle on the road in the UK you are required by law to wear a helmet, and it is advised that you wear leathers for protection. expensive leathers and helmets can be. With some equipment costing almost the same amount as your motorbike it is recommended that you get insurance for it as well.

Helmets

As the most important piece of protective clothing, a helmet protects against fatal head injury, flying objects, cold and wind. As damage isn’t always visible by eye it is recommended that you never buy a second hand helmet. There are two types of helmets, open-face and full-face, and they are made up of 3 basic materials, glass fibre, Kevlar and polycarbonate. If you decide to go for the open-face helmet then you should make sure that you purchase the adequate face and eye protection as well.

Gloves

As your hands are always in the open air you need to make sure that you have comfortable gloves to protect your hands from blisters, wind, rain, cold and sun. There are many different types of gloves available for all seasons. Gloves aren’t just to protect your hands, leather gloves also provide improved grip for the handlebar meaning that you have more control over the bike. You need to make sure that the gloves fit comfortably and that they aren’t too tight, or too bulky as this may cause problems operating the controls.

Leather Clothing

In the unfortunate event that you crash your motorbike, leather clothing will give a high level of protection against injury. For day to day riding, long sleeves and leather trousers will provide a comfortable ride and will protect you from sunburn, windburn and hypothermia. You need to make sure that the equipment isn’t bulky, but also that it doesn’t restrict your movement on the bike.

Motorbike Insurance Providers

Not all insurers cover equipment as part of the comprehensive motorbike policy, below we have compared the providers who do let you add helmet and leathers cover to your policy:

Carole Nash offer Helmet & Leathers cover from as little as £3.33 a month. This policy will pay out up to £1,000 for replacement boots, gloves, helmet and leathers if they are damaged beyond repair whilst riding.

Bennetts offer helmet and leathers cover as an additional level of cover from £48 a year. This policy will cover you for up to £750 towards helmet, leathers, protective clothing, boots and gloves if they are damaged.

With eBike Insurance you can add helmet and leathers insurance as an extension to your annual comprehensive policy for £34.99 a year. This will cover your helmet and leathers against any damage caused as a result of motorcycle accident. You can claim the value of the items up to £850, and there is a £100 excess on any claim made.