What is third party, fire and theft motorbike insurance?

Third party, Fire and Theft

If you own and intend to drive or keep a motorbike on the road, you will need to take out motorcycle insurance. Third party, fire and theft is one of the most popular options as it is an affordable alternative to fully comprehensive insurance, but also provides a range of benefits in the case of an accident occurring. 

 What does TPFT motorcycle insurance cover? 

Third party, fire and theft (TPFT) covers damage to a third party, their vehicle or their property in an accident which is your fault. Your motorcycle is not covered by an accident in these circumstances. 

Are there any benefits that come with TPFT cover? 

There are a range of benefits that come with all Bikesure insurance policies. These include: 

  • No loss of bonus or excess if you are hit by an uninsured driver 
  • Claims reporting and assistance service open 24 hours a day 
  • Generous no claims bonus discounts 
  • Discounts for members of motorcycle clubs or online forums 
  • Great rates for riders with zero no claims bonus 
  • Riders with motoring convictions or criminal convictions covered 
  • Easy payment options even for 16-year-olds (subject to guarantor) 
  • Legal cover up to £100,000 included free of charge.

 Other types of motorcycle insurance 

  • The most basic level of cover – and usually the cheapest – is third party only (TPO). This covers compensation for injury or damage caused to other people and their property, but it won’t cover damage to your bike or any medical treatment that you might need following an accident.
  • The highest level of insurance is comprehensive, or fully comp. It includes all the features of TPFT, plus cover for any accidental damage or personal injury treatment if the accident is the policyholder’s fault. Comprehensive bike insurance might also cover the cost of a replacement bike if yours is written off. 

Laid-up, fire and theft cover, short-term cover and breakdown cover are also available. 

How much will TPFT motorcycle insurance cost me? 

Motorcycle insurance doesn’t necessarily have to be expensive. As a specialist motorcycle insurance broker, Bikesure can often find low-cost insurance to match your needs and your budget.  

The cost of your motorbike insurance depends on a number of factors, including: 

  • The type of bike you ride
  • Your location
  • Your riding history
  • Any no claims bonus (NCB) you’ve built up
  • Your age
  • If you require pillion cover for passengers

Another consideration that could impact the cost of motorbike insurance is how the bike is used: 

  • Social, domestic and pleasure such as visiting friends or daily activities.
  • Social, domestic, pleasure and commuting covers the same as SD&P as well as to and from a single place of work. This would include parking at a train station as part of your commute.
  • Business cover would be required if you use your motorbike to travel between offices or visit clients and customers.
  • Dispatch riding is slightly different from Business use as it is intended to cover couriers and other types of delivery driver. 

Read our blog to discover 14 ways to save money on the cost of your motorcycle insurance

Third party, Fire and Theft

Can I get any policy add-ons with TPFT? 

Bikesure can tailor your insurance package to meet your precise needs and there are a range of optional extras to choose from. These include: 

  • Motorcycle breakdown cover from £62 a year 
  • Helmet and leathers cover from £29.99 a year 
  • Cover to ride any bike from £29.99 a year 
  • Keycare cover from £19 a year 
  • Agreed value insurance from £36 a year 

How do I get a Bikesure motorcycle insurance quote? 

The easiest way to get a value-for-money motorcycle insurance quote is to call us on 0800 369 8580. Alternatively, book a callback at a time that’s convenient for you.  

Read our blog to find out the answers to Bikesure’s top 10 motorcycle insurance FAQs

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August 8, 2023