Comparison of 7 Bike Insurances in Wales, UK – Motorcycle/Two-wheeler

ltcinsuranceshopper By ltcinsuranceshopper February 4, 2025


Motorcycle - bike Insurance in the UKMotorcycle - bike Insurance in the UK


Finding the right bike or two-wheeler insurance is essential, whether you’re a daily commuter, weekend rider, or enjoy long road trips on your motorcycle. The insurance landscape in Wales offers several options, each with unique features, coverage, and benefits.

This guide compares the top bike insurance providers to help you choose the best one for your needs.

1. Bennetts Motorcycle Insurance

  • Overview: Bennetts is one of the most popular bike insurance specialists in the UK, known for providing policies tailored specifically to motorbike riders. They offer comprehensive coverage for theft, accidental damage, and third-party liability.
  • Unique Selling Points:
    • Offers multi-bike insurance, allowing you to cover up to six bikes under one policy.
    • Includes a BikeSocial membership, providing access to discounts, events, and exclusive offers.
    • Rated highly for customer service and quick claims handling.
  • Why Choose Bennetts: Ideal for riders with multiple bikes, looking for an all-inclusive package with added perks for motorbike enthusiasts.

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2. Carole Nash Insurance

  • Overview: Carole Nash has a solid reputation in the UK motorbike insurance market. Their policies cover everything from classic bikes to modern sports motorcycles.
  • Key Features:
    • European cover included in most policies, making it perfect for riders who frequently travel across borders.
    • 24-hour accident recovery and UK and European breakdown cover included.
    • Also offers agreed value cover, which is particularly beneficial for owners of classic bikes.

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  • Why Choose Carole Nash: It’s a great option if you ride across Europe or own a vintage bike that requires special coverage.

3. Devitt Motorcycle Insurance

  • Overview: Established in 1936, Devitt offers competitive bike insurance policies through partnerships with major UK insurers like Aviva.
  • What Sets Them Apart:
    • Focuses on providing customized insurance policies based on the rider’s experience and bike type.
    • Offers optional legal expenses coverage to help with any disputes arising from claims.
    • Devitt’s customer referral program can help save on premiums, making it a cost-effective choice.
  • Why Choose Devitt: Devitt is ideal for riders seeking customizable options and those who want to save on premiums through referrals.

4. Lexham Bike Insurance

  • Overview: Lexham is known for its specialization in scooters and small-engine motorcycles, but It also offers coverage for a wide range of two-wheelers.
  • Notable Features:
    • Offers pay-as-you-go insurance plans, ideal for seasonal riders.
    • Focuses on low-cost policies for 125cc bikes and scooters.
    • Provides third-party-only as well as comprehensive options with breakdown cover.
  • Why Choose Lexham: Perfect for young riders or those with smaller bikes who want affordable, flexible coverage.

5. LV= (Liverpool Victoria)

  • Overview: LV= is a well-established name in the UK insurance industry. It offers comprehensive motorbike insurance and focuses on customer satisfaction.
  • Highlights:
    • Includes new-for-old bike replacement if your bike is written off within a certain time frame.
    • Personal accident cover of up to £10,000 as part of their comprehensive plans.
    • Known for efficient claims handling and a user-friendly online platform.
  • Why Choose LV=: Ideal for those who want reliable customer service and a straightforward claims process.

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6. BeMoto

  • Overview: BeMoto is a newer player that caters specifically to the motorbike community, offering a range of specialized bike insurance plans.
  • Features to Note:
    • Provides track day cover for motorbike enthusiasts.
    • Multi-bike discounts are available, making it a cost-effective choice for avid riders.
    • Offers modification coverage, which is crucial if you’ve customized your bike.
  • Why Choose BeMoto: A great choice if you have modified bikes or participate in track days, offering flexibility in coverage.

7. CyclePlan (Ripe Insurance)

  • Overview: While primarily focused on cycle insurance, CyclePlan offers solid coverage options for e-bikes and pedal-assist bicycles, which are becoming increasingly popular.
  • Key Benefits:
    • Includes public liability insurance up to £5 million, covering accidents involving third parties.
    • Offers personal accident coverage as well as theft and accidental damage protection.
    • Collaborates with Aviva for additional policy options.
  • Why Choose CyclePlan: Ideal for electric bike owners or those who use their bikes for commuting and want comprehensive liability coverage.

Key Considerations When Choosing Bike Insurance in Wales

  1. Coverage Options:
    • Look for policies that include theft, accidental damage, and liability insurance. This ensures you’re protected against the most common risks.
    • Consider new-for-old replacement policies if you have a newer or expensive bike.
  2. Premiums vs. Deductibles:
    • Lower premiums may come with higher deductibles. Find a balance that fits your budget and risk tolerance.
    • Some providers offer discounts for advanced riding qualifications or if you store your bike in a secure location.
  3. Additional Perks:
    • Extras like track day cover, European breakdown assistance, or multi-bike discounts can add significant value.
    • For those who travel, coverage for riding abroad is crucial. Companies like Carole Nash and Bennetts excel here.
  4. Customer Service and Claims Handling:
    • Read customer reviews and focus on providers with strong reputations for fast and fair claims processing.
    • A good provider should be responsive, especially in emergencies, and provide clear guidance during claims.

Finding the Best Bike Insurance Provider

When searching for the best bike insurance providers in Wales and across the UK, it’s essential to compare not only the price but also the services and coverage offered. Companies like Bennetts and Carole Nash provide comprehensive options for serious bikers, while Lexham and CyclePlan cater to niche needs like small engine bikes and e-bikes.

By focusing on your riding habits, the value of your bike, and the type of coverage you need, you can select the best provider that ensures you ride safely and securely. Remember to assess additional benefits like multi-bike discounts, modification coverage, and personal accident protection when making your decision.

This detailed comparison should help you find the right bike insurance in Wales, keeping you protected whether you’re riding through the valleys or cruising the city streets. Happy riding!





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