Does income protection cover motorbike riding?

I’m thinking about taking out Income Protection but one thing i’m unsure on is if I will be covered for riding my motorbike? I ride it most days to get to work.

Question asked by Paul Smith
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Answered by Tom Conner

Every insurer has a different stance to this, therefore it is very important to speak to one of our advisers so that they can advise you on which insurers are the best when it comes to riding a motorbike.

As a general rule of thumb, as long as you abide by the Road Safety Requirements of riding a motorbike, it is fully licensed and insured then the majority of income protection insurers are happy to cover this. But again it is very important to mention this to your adviser to ensure that the particular insurer you are going with is happy to offer cover for this.

If the motorbike is also used for track days or racing then it is also vital that the insurers know about this as certain insurers have different appetites to motorsports. Most mainstream insurers would place an exclusion on the plan for motorsports.

Mentioning this to your Adviser would be the best way to get a clear and accurate answer.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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