Bennetts insurance

Learn more about Bennetts motorbike insurance

The information on this page was last reviewed on 26 August 2021.

Why choose Bennetts motorbike insurance?

  • Up to 90 days European cover.
  • 17 of the most common modifications included as standard.
  • 24-hour UK-based specialist claims team is on-hand when you need them the most.

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Who is Bennetts?

Bennetts have been around for a long time. In fact, it celebrated its 90th birthday in 2020 and now provides cover for more than 200,000 riders.

They were founded back in 1930 by Frederick James Bennett. The business – FJ Bennett and Sons – provided general insurance for customers in the West Midlands.

Today, the business has 169 staff based in Peterborough and Coventry, who aim to find customers their best quotes from a panel of insurance providers. It quotes for the vast majority of bikes upwards of 49cc – from mopeds to sports bikes, as well as classic and vintage machinery.

The company can quote for bikes with modifications – and may be able to offer cover even if a modification is unusual or not listed on the online quotes system.

However, it doesn’t currently offer insurance for quad bikes, trikes or electric pedal cycles, or provide specialist cover for track days. In addition, only annual insurance is available.

Bennetts motorbike insurance policy details

Bennetts offer two types of cover to their customers: third party, fire and theft and fully comprehensive cover.

Third party, fire and theft cover is the most basic policy. If you’re in an accident, it will only cover losses and damage to other people involved.

Third-party, fire and theft insurance will provide a basic level of cover and will also pay out if your motorbike is stolen or damaged beyond repair in a fire.

For example, if your stolen motorbike is recovered, your insurer will pay to have any damage put right.

Comprehensive cover offers protection for your bike, scooter or moped. If it is stolen or damaged beyond repair by fire, you will receive a pay-out.

This will be enough for you to buy a similar bike with a similar market value. If your bike is stolen but recovered damaged, your insurer will pay for repairs.

If, within six months of buying a brand-new bike, your machine is damaged to the point where it can’t be repaired, it will be replaced with a new bike of the same specification. This also applies if the bike is stolen and not recovered.

Classic motorbike insurance comes with optional agreed valuations, show and event cover, and no admin fees for additional modifications.

You can also insure classic bikes and modern bikes on one multi-bike policy should you own different machines.

Modifications made to a bike can be difficult to get cover for depending on what they are. Bennetts accept 17 of the most common modifications as standard. These include stickers, heated grips, upgraded air filters, replacement seats, and the addition of sissy bars. You can see the full list on their website.

Bennetts offer a selection of motorbike insurance policies, so the exact levels of cover and benefits of the policies offered when you get a quote may vary. Before buying Bennetts motorbike insurance, we recommend that you check the cover and benefits included.

Bennetts motorbike insurance optional extras

Bennetts also offer optional extras that you can bolt on to your insurance policy at an additional cost. These include:

Helmet and leathers protection is designed to reimburse you for your helmet, leathers or protective clothing, gloves, and boots. If your helmet or protective clothing are damaged in an accident – and not wear and tear as that doesn’t count – then you could claim up to £1,500 on this policy.

Legal expenses cover provides up to £100,000 of legal fees which are to be used to attempt the recovery of uninsured losses following a non-fault claim.

BikeSocial is Bennetts’ news and social platform. Membership to the platform is free for all customers who buy directly from the company – but can be purchased by others as an annual subscription. You'll be able to access special offers that have been put together with bikers in mind. You can see a list of the latest discounts on their website.

Personal accident protection is designed to give you maximum peace of mind with a pay-out of up to £15,000 if you suffer a serious injury involving your bike. This includes a benefit of £50 for every 24 hours for hospitalisation, up to a maximum of £350.

Then there are three levels of RAC breakdown cover. The basic package includes everything from a puncture and battery problem to not starting and even running out of fuel. If the problem can’t be fixed, you’ll be taken to the nearest garage of place of safety.

There are also higher levels of cover available. The next level of breakdown cover is Breakdown Plus, which sees you and a pillion passenger taken to a single destination of your choice if the bike can’t be fixed. It also comes with At Home assistance.

Then there’s Breakdown EU cover. This comes with all the standard Breakdown Plus benefits, but covers you for roadside repairs, recovery to a nearby garage, alternative travel arrangements and accommodation when in the European Union. It also includes repatriation to the UK for your bike if it can’t be fixed.

Bennets Ultimate Package includes all four options. It might be a suitable choice if you want a higher level of cover. If you opt for the Bennetts Ultimate Package you can receive a discount off the additional cover.

Contact Bennetts

There are plenty of ways to get in touch with Bennetts if you need to.

You can contact them by telephone on 0344 412 2171.

The opening hours for this number are: Monday to Friday: 8:00am - 8:00pm. Saturday: 9:00am - 5:00pm. Sunday and Bank holidays: 10:00am - 4:00pm. Bank Holidays: 9:00am - 5:00pm.

For existing customers, the claims and accident line is 0330 018 9166 and available 24-hours-a-day, seven days-a-week.

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