Making sure you are covered with the right motorbike insurance policy is the first step to avoid shedding out hundreds if your motorbike becomes damaged.
Check out our guide to see if RAC motorbike insurance can provide you with your ideal policy.
The RAC stands for the Royal Automobile Club. The UK based company was set up in 1897 to provide roadside assistance to those in need. Over the years, they have branched out to provide other services, such as car insurance, home insurance and travel insurance.
RAC aim to provide customers with affordable, quality car insurance.
The RAC offer three car insurance options to suit the needs of customers. Below is a list of these policies and some of their features:
Third party is the minimum amount of car insurance that is legally required on the roads in the UK. It covers damage caused to other people’s property or compensation as a result of accidents that are deemed your fault.
Third party fire and theft cover gives you slightly more protection than the basic third party cover.
If you are involved in an accident, RAC will pay out to the third party. This cover also protects your car from damage caused by fire or theft.
However, it won’t pay out if your car is damaged in other ways such as a crash.
This is one of the most extensive forms of cover you can get from RAC.
It covers theft, fire and accidental damage to your own vehicle, as well as third party damage.
| Cover feature | RAC Third party | RAC Third party, fire and theft | RAC Comprehensive |
|---|---|---|---|
| Accidental damage | – | – | ✓ |
| Fire and theft | – | ✓ | ✓ |
| Liability to other people | ✓ | ✓ | ✓ |
| Going abroad | ✓ | ✓ | ✓ |
| Replacement if damaged | – | ✓ | ✓ |
| Accessories | – | – | ✓ |
| Spare parts | – | – | ✓ |
| Replacement if stolen | – | – | ✓ |
| Emergency treatment | ✓ | ✓ | ✓ |
An excess is the amount of money that you will have to contribute when you make a claim. The amount of your excess can change depending on variable factors such as your bike and your driving experience.
Opting for a higher excess where possible could reduce the cost of your insurance premium.
Make sure to read through your Policy Schedule to find the full details concerning excess payments.
If you need to make a claim, you can call the RAC claims department.
You can call on 0330 159 1167.
Their claims hotline is in operation 24/7.
You will need to have your policy number to hand, as well as any information about the claim you’re making. Your policy number can be found in your Policy Schedule.
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