Motorcycle Direct insurance

Find out about Motorcycle Direct insurance

The information on this page was last reviewed on 9 September 2021.

Why choose Motorcycle Direct motorbike insurance?

  • European cover for up to 30 days a trip, or up to 90 days in any given policy term.
  • Modifications cover for 16 common modifications as standard.
  • Call centre access 7 days a week to get expert advice or to report a claim.
  • Flexible payments options. Pay for your insurance cover monthly or with one up-front payment.

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About Motorcycle Direct

Motorcycle Direct offers insurance policies for drivers with a standard or modified motorbike. It offers cover for bikers with everything from a scooter to a classic, as well as options for owners of electric bikes. It also sells a multi-bike insurance policy.

Motorcycle Direct started in 1997 with the aim of providing a market-leading service to people searching for the best motorbike insurance.

The Bristol-based specialist provider is part of the Europa Group and employs more than 500 employees at its UK sites.

It has more than 400,000 customers and is keen to foster a sense of community among bikers. Motorcycle Direct offer expertise in what it classes as a ‘way of life’ to policyholders.

The company notes that 50% of customers who took out a policy between January and September 2020 paid less than £150 for cover.

Motorcycle Direct insurance policy details

Motorcycle Direct sells three levels of cover - comprehensive, third party, fire and theft and third party only.

All three levels share several features and forms of protection. The main ones being:

  • Third party liability where the insurer will cover any amount you have to pay if you’re responsible for an accident involving your bike that results in death or injury. Damage to other people’s personal property is covered up to £20 million.
  • Riding other motorbikes is included with their consent and will be covered on a third party only basis. The bike must be privately owned and not hired to you.
  • Legal costs and expenses cover provides financial help if you’re called to court to defend an action involving your motorbike. Legal services costing up to £1,000 are also covered in the event you face a manslaughter, reckless driving causing death, providing you were aged 21 or above.
  • Emergency treatment means the insurer will pay for any emergency treatment needed as a result of an accident involving your motorbike. Your no claims discount won’t be affected if this is the only payment being made.
  • Riding abroad allows you to ride your motorcycle in any EU country or one that has met the requirements of the Commission of the European Community. You’re covered for trips of up to 30 days, but for no more than 90 days during the policy term.
  • Riding abroad in other countries can, upon request, extend third party only cover to other countries you plan to visit. But there may be an additional charge.

Third party, fire and theft standard cover includes all of the above, and the following:

  • Loss and damage to your bike caused directly by fire, self-ignition, lightning, explosion, as by theft or attempted theft is covered.

Comprehensive cover entitles you to all of the above protections, as well as:

  • Any loss or damage to your bike will be repaired or replaced. The insurer will also remove your bike to an authorised repairer if it is too damaged to ride.
  • New motorbike replacement if your bike was bought new by you in the last 6 months, the insurer will cover the repair cost to 70% of its list price at the time of purchase. If it can't be repaired or has been stolen, and not recovered, a new like-for-like bike will be provided.

Motorcycle Direct offer a selection of motorbike insurance policies, so the exact levels of cover and benefits may vary. Before buying motorbike insurance, we recommend you check the cover and benefits included.

Optional extras

Motorcycle Direct customers can buy optional extras levels to provide even more peace of mind. Among the additional extras on offer are:

  • Legal expenses cover up to £100,000 in the event of a non-fault claim. Plus, legal assistance to recover uninsured losses, again in the event of a non-fault claim.
  • Breakdown cover for both UK and UK with Europe are available to ensure you’d not be stranded if your bike broke down. In this case, the insurer will arrange for your bike to be repaired and ensure you get to your destination or home.
  • Courtesy replacement bike of up to 650cc will be provided if yours is damaged or stolen, for up to 14 days while repairs are made.
  • Personal accident cover if you’re injured following an accident resulting in permanent injury, you’ll be entitled to a £25,000 payment.
  • Key cover for if your keys, or those belonging to your immediate family, are lost, damaged or stolen. The insurer will pay up to £1,500 for repairs and replacements.
  • Helmet and leathers cover to protect your helmet, leathers or protective clothing, gloves and boots if they are damaged following an accident.
  • Excess protection will ensure that up to £600 of your excess is covered by the insurer in the event of a claim.

Contact Motorcycle Direct insurance

You can contact Motorcycle Direct in several ways, with the full list of options found on the company website. Claims can be made by phoning 0344 0800 0988.

If you want to write to Motorcycle Direct, you can at:

MCE Insurance
Europa House
Midland Way
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