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Difference of motorbike warranty to motorbike insurance

Learn how motorbike warranties vary from motorbike insurance in order to cover your bike in the event of a mechanical breakdown.

What is the difference between a motorbike warranty and motorbike insurance?

A motorbike warranty only covers you if your bike breaks down mechanically within a certain period of time after you buy it – usually between one and three years.

A motorbike insurance policy, on the other hand, provides coverage for damage caused by external incidents such as robbery or traffic accidents.

Key Points

  • A motorbike warranty will cover your motorbike for a period of 12 months for an annual charge, which ensures you won’t have to struggle for cash in the event of a motorbike emergency.
  • There are a few different categories of warranties available for your motorbikes such as independent dealer motorbike warranties, extended motorbike warranties, and manufacturers’ motorbike warranties.
  • It’s a good idea to get a warranty on new or used motorbikes when you buy them.

How does a motorbike warranty work?

A motorbike warranty will give you peace of mind if your bike breaks down. It will cover your motorbike for a period of 12 months for an annual charge, which ensures you won’t have to struggle for cash in the event of a motorbike emergency. Some warranties are based on the mileage of the motorcycle rather than its age.

Premium rates and coverage choices differ by policy, depending on factors such as the age, make, and model of your motorcycle. You pay a monthly fee for a bike warranty, and in exchange, the maintenance costs are compensated for a specific list of mechanical and electrical issues. To make a claim under most warranties, you’ll have to pay an excess, which is typically a portion of the labor and/or parts costs.

Motorbike warranty categories

Here are a few different categories of warranties available for your motorbike.

1. Independent dealer motorbike warranties – This may be for a limited period of time, such as three months, but certain dealers charge a premium for longer terms or extensions. Examine the warranty you’re being given to see if it covers anything you want it to. A seller’s warranty is also included with a motorcycle purchased from a dealer or workshop.

2. Extended motorbike warranties – This is a policy that you can purchase yourself, regardless of whether the motorbike already has a manufacturer or independent warranty. It is sometimes referred to as an after-market motorbike warranty. You’ll most likely need evidence that your motorbike was serviced by a VAT-registered garage, as well as a valid MOT certificate for older motorbikes. You must follow the policy’s terms and conditions as with any warranty, and you can check to see if the policy can be transferred to another vehicle if you decide to switch motorbikes during the period.

3. Manufacturers’ motorbike warranties – Even if you buy a used motorbike, don’t presume it’s still protected by the warranty because the previous owner may not have followed the terms. A new motorbike may come with a manufacturer’s warranty, but if you want to get the most value for the money, you can purchase an extra warranty.

“You will always have to keep your bike in good working order A warranty isn’t a substitute for maintenance repairs. Neglecting your bike’s maintenance could endanger your safety and cost you money.”

What mechanical problems are covered by a motorbike warranty?

The mechanical issues covered by a motorbike warranty differ by regulation, so make sure you read and understand the conditions. A motorcycle warranty usually covers the following areas:

A motorcycle warranty usually covers the following areas such as electrics, engine, suspension, swinging arm and gearbox, cooling system, breaks, shaft drive unit, front forks, clutch, frame, and casings.

Get it now and don’t suffer on any mechanical breakdowns.

Motorbike warranties exclusions

The interpretation of policy clauses may be critical that why you must research the guarantee company’s reputation when it comes to exclusions. Here are some common exclusions.

1. Oil leakage – Some warranties will cover the cost of repairing the leaking component, but not the damage that the leaking oil has caused.

2. Consequential loss – This means that if an uninsured caused damage to an insured component, you could not be covered.

3. Breaching of policy – If you do not follow the terms of your policy, you might be subject to exclusions.

4. Wear and tear – If you can believe that wear and tear only refers to tires and bodywork, some warranty providers use the term to describe major mechanical issues as well.

When should you buy a motorbike warranty?

It’s a good idea to get a warranty on new or used motorbikes when you buy them, whether at an auction or right off the showroom.

If you do have a motorbike warranty but it’s about to expire, make sure you get a new annual contract to eliminate any coverage gaps. However, keep in mind that you are not required to renew your motorbike warranty with the same company. Take a look around to see what’s available. You may be able to save money while still getting a more extended warranty.

Last but not least, you can buy a motorbike warranty at any time. Many riders are convinced once they realize the value and peace of mind that the cover provides for a relatively small investment. After all, keeping your bike safe and on the road is what it’s all about.