Motorcycle Direct insurance

Find out about Motorcycle Direct insurance

The information on this page was last reviewed on 28 October 2022.

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, So you can 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 riders with a standard or modified motorbike. It offers cover for all bikers - from scooters to classics, plus options for electric motorbike owners. It also sells multi-bike insurance policies.

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 offers expertise in what it classes as a ‘way of life’ to policyholders.

MotorCycle Direct prides itself on its knowledge and enthusiasm to help bikers get the best cover.

Motorcycle Direct insurance policy details

MotorCycle Direct sells 3 levels of cover:

  • Comprehensive
  • Third-party only
  • Third-party, fire and theft

All 3 levels share several features and forms of protection. The main features include:

  • Third-party liability where the insurer covers you if you’re responsible for an accident involving your motorbike that results in death or injury. Damage to other people’s personal property is covered up to £20 million.
  • Riding other motorbikes is included on a third-party-only basis. The motorbike must be privately owned and not hired by you. You also need the consent of the owner.
  • Legal costs and expenses cover provides financial help if you’re called to court to defend an action involving your motorbike. Legal services are also covered up to £1000 if you face a manslaughter or reckless driving causing death charge. This feature is limited to those over 21 years of age.
  • Emergency treatment means the insurer covers any emergency treatment needed after an accident involving your motorbike. Your no claims discount isn't affected if this is the only payment being made.
  • Riding abroad allows you to ride your motorcycle in any EU country or one that's 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.

Third party, fire and theft standard cover includes all of this, plus:

  • Loss and damage to your motorbike caused by fire, theft or attempted theft.

Comprehensive cover offers everything in the other two policies, plus:

  • Loss or damage to your motorbike. The insurer covers the costs of repairs and should remove your motorbike to an authorised repairer if it's too damaged to ride.
  • New motorbike replacement. If you bought your motorcycle in the last 6 months, the insurer covers the repair cost to 70% of the price paid for it. If it can't be repaired or has been stolen, and not recovered, a new like-for-like bike is provided.

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

Optional extras

MotorCycle Direct customers can buy optional extras to provide even more protection. These include:

  • Legal expenses cover up to £100,000 and legal assistance to recover uninsured losses in the event of a non-fault claim.
  • Breakdown cover for both UK and UK with Europe is available to ensure you’d not be stranded if your motorbike broke down. The insurer would arrange for your motorbike to be repaired.
  • A courtesy replacement motorbike of up to 650cc if yours is damaged or stolen, for up to 14 days while repairs are made.
  • Personal accident cover up to £25,000 if you’re injured following an accident resulting in permanent injury.
  • Key cover for if your keys, or those belonging to your immediate family, are lost, damaged or stolen. The insurer pays 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're damaged following an accident.
  • Excess protection ensures 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
BS35 2JX

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MCE Insurance

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