Motorcyclists with motoring or criminal convictions can often receive a distinctly 'second class' service from many insurance companies - so much so, in fact, that many riders with a speeding fine or two under their belt just resign themselves to paying through the nose for their motorcycle insurance, as their renewal premiums rise dramatically.
But it doesn't have to be this way. Bikesure understand that riders with convictions are not really very different from most riders without convictions. And for those riders with points accumulating on their licenses, they are more likely to be more careful in future in order to avoid a ban.
Cheaper Motorcycle Insurance with Convictions
Whether you have motoring or criminal convictions, it's important to choose a company that sees you as an individual, rather than a statistic. By understanding the circumstances of a conviction, we can often offer you a cheaper rate, because we don't have to assume the worst.
For example, we know that riders with a drink driving conviction usually learn from their experience, and the vast majority never re-offend, so our rates can reflect this fact, rather than punishing you out of proportion to the risk.
The plethora of speed cameras, CCTV and new regulations means that it is easier than ever to pick up a motoring conviction, even for a momentary lapse in concentration. Years ago, if someone was caught speeding and taken to court, then chances were, they sped most of the time, but with fixed penalties, Gatso cameras on so many of our roads, not to mention powerful bikes capable of rapid acceleration, these assumptions no longer hold true - and even accidentally straying above the limit for a few seconds can land you with an SP30 and three points before you can blink.
Even so, many insurance companies continue to apply hefty premiums to anyone with any kind of conviction, regardless of these changes, or of the individual merits of the risk. In truth, many companies simply lack the experience and know-how to determine a fair price in these cases. That's why, if you need convicted rider insurance, it pays to speak to a specialist broker like Bikesure.
Convicted Rider Insurance Features
All of our motorcycle insurance policies are designed around you, and this means that you can choose from a variety of useful policy options. Every one of our policies comes with £100,000 of legal expenses protection included, free of charge, but you can also choose to add personal injury cover, comprehensive homestart breakdown insurance and helmet and leathers insurance.
Convicted Rider Motorbike Insurance Features
Agreed value option (where applicable)
Riders with any motoring convictions can be covered
Riders with criminal convictions can be covered
Riders with drink driving convictions can be covered
Previously banned riders can be covered
All modifications and customisations covered including turbochargers, NOx and other performance enhancing mods
Easy payment options including direct debit options
Full range of comprehensive, TPFT and TPO motorcycle insurance for convicted riders is available
Legal cover up to £100,000 included free of charge
Insurance savings for convicted riders
Due to the nature of the products available, riders with a history of motoring or criminal convictions should always call for the best rates.
If you have criminal or motoring convictions, or have been previously banned from riding, the personal approach can make all the difference. By taking your personal circumstances into account, we can offer rates that better reflect the risk, rather than having to assume the worst. For this reason, our best rates for convicted bikers are only available on the telephone, so make sure you call us on 0800 369 8580 before you buy a policy.
"I'd been struggling to get any cover for my bike because of a lengthy prison sentence I served for crimes I committed when I was young.
But I'm much older now and Bikesure took into account the length of time since the conviction and the rehabilitation work I've undertaken."
Honda CBF 600
Gary is 43 and from the Great Yarmouth area (NR31). He received a fine and community service order three years ago for a crime he committed, which has caused him some problems with getting insurance. He has just bought a 2003 model Honda CBF600 for £1,200, and wishes to use it to commute to work. He has a full category A licence, held for more than 20 years.
Gary's rate is just £263.91 for fully comprehensive cover, or only £192.39 for third party, fire and theft cover.
Yamaha YBR 125
Kieran is 31 and from Llandudno (LL30). As a result of crimes committed several years ago, he served two years in prison. He has now picked himself up, and has bought a Yamaha YBR 125 to help him get to and from his job. The bike is only worth £900, but Kieran is new to biking having passed his CBT in March 2013. He currently holds a provisional licence and does not have any no claims bonus to use.
Kieran's rate is just £336.86 for TPF&T cover, or a mere £271.62 for third party only.
Call today for a quote!
Get a cheaper quote over the phone by speaking to our friendly, expert staff today.
From our Norfolk-based offices, our teams of insurance experts are ready to take your call, and to help you get great cover at a great price.
Just click the callback button and we'll give you a call at a time that suits you.
Insurance to ride any bike
Ever fancied borrowing a friend's or family member's bike, but been worried that you might not be insured should you have an accident?
With Bikesure's "ride any bike" insurance, you could add the equivalent of comprehensive insurance to your policy while you ride other people's bikes - leaving you and the owner safe in the knowledge that you're covered, whatever happens.
With up to a £10,000 claims limit, accidental damage, third party, fire, and theft cover included, and no need to let us know every time you borrow a new bike, you'll be free to hop on and hit the road whenever you like.
Agreed Value Insurance
Whatever bike you ride, from a scooter to a cruiser, dirt bike to superbike, you want to know that you can claim back the full value of your bike if it's written off.
With agreed value insurance from Bikesure, we'll work with you to agree the true value of your bike when you take out a policy, and make sure that you get that sum back when you need to claim - helping you to fund a replacement bike without leaving you out of pocket.
Helmet and leathers
It's no secret that your helmet and leathers are some of the most important items for staying safe on a bike – and that they can cost hundreds of pounds to replace if damaged.
For just £29.99 a year, our helmet and leathers insurance will cover up to £1,500 in the costs involved with repairing or replacing your leathers and helmet (or £40.00 for £3,000 in costs), including full leathers and other protective clothing, boots and gloves.
With a low £50 excess for each claim, insuring your protective kit could save you hundreds following an accident, and claims on your helmet and leathers policy won't affect your bike no claims bonus.
If you've ever lost your keys, you'll know that it's no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just £19.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you're stranded, up to a value of £1,500.
We'll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add keycare to your policy, speak to a member of our team today.
From just £62.00 a year, Bikesure Rescue provides gold-standard breakdown cover for your motorbike, offering 24 hour UK and EU roadside assistance and recovery, emergency accommodation costs, transport home, to a garage, or to a destination of your choice, and even an equivalent hire bike to help you get on your way after a breakdown.
We know that nobody wants to have their plans put on hold by a breakdown, or to be forced to hang around by the roadside for hours facing costly callout charges - so use Bikesure Rescue as your breakdown cover, and get motoring peace of mind at a price that suits you.
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