Bennetts says it can tailor policies to suit an extensive range of riders and their bikes, and will provide 90 days of EU cover cover and up to 16 standard modifications at no extra cost. We’ve checked out this 5-star Defaqto-rated bike insurance broker – here’s what you need to know.
Bennetts is a specialist bike insurance broker that was established in 1930 and bought by Saga Group in 2015 (but is run independently). It can source insurance for a range of riders and their bikes – whether that’s young riders or classic, custom and modified bikes.
Bennetts offers the three standard types of motorbike cover but these policies can be customised to suit you.
The legal minimum level of cover required in the UK, third party protects you if your motorbike is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover is the costs related to repairing your bike or medical bills relating to personal injuries.
You’ll get protection if you’re in an accident that damages or injures a third party and their property, and you’ll have cover if your bike is destroyed by fire or even stolen. Be aware that although this provides slightly more cover, you still won’t have any protection for damage to your bike or personal injuries after an accident.
You’ll get the most cover with this. It provides the same protection as third party fire and theft but it will cover your bike if it’s damaged after an accident, provide money for a new bike if yours is declared a write off and cover you for any personal injuries. It’s always worth checking the cost of comprehensive as it can be cheaper than TP or TPFT.
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | ✓ | ✓ | |
| Accidental damage | ✓ | ||
| 90 days EU cover | ✓ | ✓ | ✓ |
| 16 standard modifications cover | ✓ | ✓ | ✓ |
| Riding other bikes cover | ✓ | ✓ | ✓ |
| Permanently fixed accessories (panniers, grab rails and sports racks) | ✓ | ✓ | |
| Accident recover | ✓ | ||
| Uninsured driver promise | ✓ | ||
| New bike replacement within 6 months of buying it new | ✓ | ||
| Lock and key cover | ✓ |
Check your policy details carefully to ensure you have the right cover for your needs.
Bennetts offers a range of optional extras to provide increased protection in certain areas. Some of the additional cover options to bolt onto a Bennetts policy are:
Customers can choose Bennetts Ultimate cover package if they would like all four of the above optional extras, which could reward them with up to 70% off the price of the additional cover options.
Any motorbike cover offered by Bennetts is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You can call Bennetts on 0330 018 9166 to register a claim. This 24-hour claims line is open 7 days a week.
You will need to provide your policy details, personal contact details and information relating to the incident and claim.
It’s vital that you let your insurer know about an incident within 24 hours, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
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