How can pay as you go motorbike insurance help you?

A knock-on effect of riding a motorbike in the UK is that you have to be flexible, but that doesn’t mean putting your feet behind your head.

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Sunday morning rides may have to be cancelled last minute and weekends on the road curtailed because the rain has set in or the snow has made its annual appearance.

It’s a sad fact and one that may make you question why you bother insuring your bike all year round. And that’s where pay as you go insurance steps into the breach.

What is pay as you go motorbike insurance?

As the name suggests, pay as you go motorbike insurance is a short-term option and ideal for fair weather riders.

With a pay as you go insurance policy you can get insured for that spur of the moment weekend of riding or a couple of weeks on your bike when summer’s finally showed its face.

Why get pay as you go motorbike insurance?

The benefit of pay as you go insurance is its flexibility, which allows you to insure your bike from as little as a single day up to three months.

If you don’t ride all year round and limit your riding to summer months and sunny days, it may make more sense – and save you money – to insure your bike as you go along.

What kind of insurance policy can I get on pay as you go?

With pay as you go motorbike insurance you do not get less cover than standard annual policies.

You can pick from Third Party to Comprehensive and add breakdown and personal injury cover if you want it. The only difference is the length of your insurance policy and obviously what you pay.

Are pay as you go insurance policies expensive?

If you were to get pay as you go motorbike insurance for every day of the year, it would more than likely be more expensive than an annual insurance premium.

However if you are realistic about the amount of time you spend on two wheels then it’s easy to save money on your insurance by only paying for the time you are going to ride, rather than 365 days a year.

Short-term pay as you go motorbike insurance premiums can start from as little as £31.80 on The Bike Insurer.

Do I need motorbike insurance all year round?

You do not need motorbike insurance for 12 months of the year however if your bike is not insured you will need to declare it as off the road.

To declare your motorbike as off the road you will need to contact the DVLA and complete a V11 or V85/1 form. You will then receive a SORN (Statutory Off Road Notification).

Under the Continuous Insurance Enforcement (CIE) rules you are required to either insure your motorbike or declare it as off the road.

How can I get pay as you go motorbike insurance?

You can get pay as you go motorbike insurance via the link.

Next page: What is Laid Up motorbike insurance?