Motorcycle Insurance

Laid Up Bike Insurance


If your prize collection of classics is in a garage waiting for their next adventure or laid up over winter, it is important to make sure they are insured. Laid up bike insurance policies cover bikes and scooters whilst they are off the road, protecting against fire and theft without having to pay an inflated price to cover against, for example, third party liability, when it isn’t necessary as the bike isn’t being used. There is a misconception that motorcycles are covered for fire and theft on your household insurance when in fact a lot of the time they are not.


Bikesure, the free-thinking motorcycle insurance broker, offers specialist laid up motorcycle insurance taking into account personal requirements. For example, perhaps you have a bike that is only used for shows or that are only ridden during the summer months. This means that for most of the year your pride and joy is probably going to be kept in a garage or shed, so having a tailor made laid up policy means you can rest assured that whilst it’s in storage it will be insured.


For example, fire and theft cover for a 46 year old biker living in Cambridgeshire (PE14 postcode) storing a 1966 Triumph T100SS valued at £4,000 in their garage at home would cost £72.40 with Bikesure, with only £100 excess.


Unlike many other laid up policies, you don’t have to hold a bike licence to take out a Bikesure policy. This is especially important if you have brought a bike in advance of your test or if you have inherited a bike.


For example, a lady in Huddersfield wanted laid up cover so she could keep her husband’s prized bike when he passed away. The woman was having difficulty as she didn’t have a bike licence herself. Bikesure arranged insurance using her full car licence, enabling her to keep her husband’s bike insured against fire and theft.

It also doesn’t matter what type of bike it is. As long as it is stored in a safe and secure place, and not used on the road, Bikesure can cover your bike against fire and theft damage. This is reassuring, especially as theft is one of the most common motorcycle insurance claims with around 50,000 bikes stolen in the UK every year.

Bikesure also provides additional cover against accidental damage for classic motorcycles whilst off the road, as well as insurance on the road too for all types of motorcycles.

To make sure your bike remains in tip-top condition while it is laid-up, it is important to prepare it for storage. Websites, such as, provide handy hints for storing your ride.

Meet living legend Carl Fogarty at the BMF Show this Saturday

Visitors to this Saturday’s British Motorcyclists Federation Show at Peterborough will get the chance to meet Superbike legend Carl Fogarty, thanks to specialist broker Bikesure.

Foggy, who won seven world titles between 1988 and 1999, clocking up an unsurpassed 59 World Superbike victories, will be at the three-day show at the Peterborough Arena from 9.30am on Saturday.

He will sign autographs and chat to visitors for two, one-hour sessions on the Bikesure stand (R3-2) and spend an hour doing the same on the BMF stand (R3-1).

Carl Fogarty in action

Carl Fogarty in action

Foggy will then take to the stage in the Northampton Suite in front of the main arena for two question and answer sessions with Steve Berry from 10.15am to 11am and again from 2.30pm to 3.30pm.

The show, one of Europe’s largest outdoor motorcycle shows, has been running for more than 37 years and features something for every motorcycle fan, from classics to modern bikes, plus live entertainment, stunt shows and the ACU 1000cc sidecar championships.

Between 42,000 and 45,000 visitors are expected over the three days of the show.

Five of the best airbag safety systems for motorcyclists


Serious motorcyclists have always sworn by a good set of leathers as the best way to save their skin in the event of an accident.

And while that still holds true today, a new generation of protective clothing using airbag systems similar to that found in cars is finding favour among safety-conscious bikers.

Here, specialist insurance broker Bikesure takes a look at five of the best airbag systems on the market from those costing a few hundred pounds to race suits for the fatter wallet.

Bikesure offers cover for helmets, leathers and protective clothing for as little as £32 a year.


Spidi Neck DPS Airbag Vest


An over-vest with a DPS airbag system, this sleeveless jacket is designed to be worn over your normal protective clothing, with numerous Velcro fasteners to ensure it fits over any type of clothing (including race suits).

A double cushion wraps around the rider’s neck, with the airbags activating within 0.2 seconds when its connection with the bike, via Kevlar wires, is broken.

The airbags help to reduce potentially damaging neck movements and should also help prevent rolling.

A good quality, affordable item, but the sizing may be a little on the small side, so it may be worth buying a size or two larger than you think you will need.

Price: From £290 to £315


Hit-Air MLV-Y High Viz Air Bag Vest


This over-vest provides inflatable protection for the neck, back, ribs and coccyx, and also comes in a highly visible yellow with reflective strips.

Attached to the bike with a key system, it inflates within 0.25 seconds and protects the entire torso, not just the neck.

Hit-Air were early pioneers of airbag jackets, having been in the market way back in 1995, and is used by police forces around the world.

It should be used over a normal motorcycle jacket, and can be re-used after inflation just be replacing the CO2 cartridge.

It’s also suitable for equestrian use, if you also happen to ride a horse!

Price: About £450


Moto-Air Wairbag jackets


Wairbag offers a range of vests and jackets as UK distributors of the Moto-Air brand, from lightweight summer jackets to winter wear.

The partially reflective jackets’ airbag system protects the whole torso from front to back, with adjustable sleeves, waist and cuff.

Sizes range from small to a well-fed (or muscular) XXXXL, and the airbags should inflate when the ripcord is activated in about 0.2 seconds.

An added reason for making our list is this incredible promotional video.

Prices: From £298 to £398



Dainese D-Air One Piece Suit


One for the racers, or at least for those who love a track day. The Dainese one-piece suit has been 10 years in the making, and claims to reduce the effects of impact by as much as 92 per cent.

It was worn by none other than Valentino Rossi, who survived a high-speed crash in 2010 with no bruising at all to his shoulders.

As well as providing airbag protection, a GPS unit located in the hump of the suit allows riders to download lap times, speed, angles of lean, track position, acceleration and deceleration.

Unlike the cheaper systems, the D-Air inflates without any connection to the motorcycle, instead using three accelerometers and three gyroscopes in a “brain” that can distinguish normal riding conditions from a crash situation.

As you’d expect, it’s pricier than the more low-tech solutions.

Price: From £2,400 to £3,240


Alpinestars Tech Air Race airbag one-piece suit


Another high quality one-piece airbag race suit, the Alpinestars suit provides shoulder and back airbag protection, and inflates from trigger to full deployment in an astonishing 0.05 seconds.

As with the Dainese suit, it provides race data and a crash-identification algorithm, removing the need for ripcords.

Worn on the track by the likes of Casey Stoner and Dani Pedrosa, the suit won a Best of What’s New award from Popular Science magazine on its launch to the public in 2011.

Inflation uses a nitrogen-based gas mix and a dual action system allows the rider to remount after a crash, ready to go again.

Earlier this year (2013), Marc Marquez survived a 210mph crash in practice for the Italian GP when his airbags deployed 30 milliseconds before his impact with the tarmac.

Price: About $5,000 for the full Tech Air system
 | Specialist Motorcycle Insurance

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