Bennetts Bike Insurance Review | The UK’s Largest Provider

Bennetts are the most popular broker is the UK for motorcycle insurance. They currently provide protection for around 230 000 bikers per year. Here we look at what Bennetts bike insurance has to offer over its rivals:

bennetts bike insurance

Bennetts have 2 main types of cover: Comprehensive and Third Party Fire & Theft.

Comprehensive

Comprehensive is the highest level of protection and covers the following as standard:

  • 5-Star Defaqto rated – The highest rating possible.
  • Permanently fixed accessories covered, including Panniers, Top boxes, Side boxes, Grab rails and Sport racks.
  • 90 Days European Union Cover – You can travel several times a year for a maximum of 90 days at a time.
  • Ability to ride other bikes – Insurance is provided on a third party basis only and permission from the other owner must be sought before riding. Most riders qualify for this, but certain age and occupation restrictions apply.
  • Motorcycle Theft – If your bike is stolen Bennetts will reimburse you at market value if it not recovered.
  • Loss or damage to your motorcycle – If your motorcycle is stolen, damaged or destroyed, Bennetts will cover the cost of the repair or replace the motorcycle outright.
  • Accident Recovery – If your motorcycle is disabled through loss or damage Bennetts will pay for the transportation to the nearest garage for repair.
  • New motorcycle replacement – If your motorcycle is damaged within 6 months, and the cost of repair is more than 70% of the book value, it will be replaced with a new one of the same model and specification.    This also applies if the bike is stolen and not recovered.

Third Party Fire & Theft

The Third Party Fire and Theft is a more basic policy that has the following benefits:

  • Permanently fixed accessories covered, including Panniers, Top boxes, Side boxes, Grab rails and Sport racks.
  • 90 Days European Union Cover – You can travel several times a year for a maximum of 90 days at a time.
  • Ability to ride other bikes –  Insurance is provided on a third party basis only, and permission from the other owner must be sought before riding. Most riders qualify for this, but certain age and occupation restrictions apply.
  • Motorcycle Theft – If your bike is stolen Bennetts will reimburse you at market value if the motorcycle is not recovered.

As with all of these types of plans, accidental damage to your motorcycle is not covered.

Other advantages for all policies provided by Bennetts Bike Insurance are:                        

  •  UK-based call centre that is open on Sundays and Bank Holidays.
  • A specialist claims team who can be contacted 24 hours-a day, every day.
  • Ability to pay in monthly instalments
  •  Multi bike policy discount available

 

Available Extras

Additional benefits that can be added to your plan include:

  • No Claims Discount Protection
  • Helmet & Leathers Cover – You can protect your helmet, leathers, boots and gloves.
  • Legal Expenses Cover – This can help cover you in the event of a bike accident that isn’t your fault.
  • Personal Accident Cover
  • RAC Breakdown Cover

In Conclusion – Bennetts Bike Insurance

Bennetts are the largest motorcycle broker in the UK, and for good reason. They have a highly-rated Comprehensive plan, that has loads of protection as standard, but also offer a Third Party Fire & Theft Plan for those clients on a budget. These can be tailored to individual needs even further through the extensive options lists, so there really is something for everyone.

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Plus, this is backed up by great service and an easy claims process should you ever need to use it. They definitely are worth considering for the keen biker.

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