Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

Does Critical Illness Insurance Cover Motorbike Riding?

I’m 43 years old and looking at taking out Critical Illness Cover. I drive a motorbike to work and back and sometimes on a weekend. Would any insurance companies accept me?

Question asked by Chris Carr

No exclusion for driving a motorbike for general transport reasons

The short answer is yes, if you drive a motorbike for general transport reasons then there is usually no exclusion for a future claim on a Critical Illness Insurance policy if you suffer an injury while on your motorbike.

If you have a motorbike accident in the future and the injury was serious enough to meet the definition of a claim, such as total permanent disability or a brain injury that disables you, then you should be able to claim.

Motorbike driving for sport

If you compete in motorbike racing, however, or speedway or motor-cross racing, this would generally be excluded from a future claim.

This is because this is a competitive motor sport and is more inherently dangerous. As such, it would have been more likely to result in one or more future claims on the policy.

The importance of speaking with an expert

What I would recommend is speaking to an adviser, like Drewberry, to ensure you have a Critical Illness Cover policy that pays out for injuries you’re particularly likely to suffer when riding your motorbike, such as loss of a single limb.

Sarah provided an excellent and informative service.

Arthur Coates
31/01/2019
Compare Top 10 UK InsurersTakes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Cannon Place
78 Cannon Street
London
EC4N 6HL
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.