My AccountFeatures & Benefits
Our Features & Benefits
Our comprehensive motorbike insurance policy is built with you in mind with all the features and benefits below coming as standard.
For full details please refer to the policy wording. *Terms and conditions apply.
New Motorbike Replacement
With our new motorbike replacement benefit, you’ll receive a new motorbike of the same make, model, and specification in the unfortunate event of a total loss due to theft or an accident – provided you meet our terms and conditions. To qualify, you must be the first and only owner since it was brand new, it must be less than six months old, and its recorded mileage must not exceed 5,000 miles at the time of loss or damage.
Please refer to our Policy Wording for more details.
Uninsured Driver Cover
If you as the policyholder or a named rider is involved in a non-fault road traffic accident with an uninsured driver, we will not reduce your no claims discount or charge you any excess in relation to the claim.
This is subject to you providing the registration, make and model of the other vehicle involved along with the driver’s details.
Please refer to our Policy Wording for more details.
Medical Expenses
We will cover medical expenses incurred up to a set limit* for each rider injured in an accident involving your motorbike. This benefit is designed to assist with immediate medical costs, such as emergency treatment, first aid, or necessary medical care directly resulting from the accident.
*Please refer to our Policy Wording for more details.
Personal Accident
All our comprehensive policies include personal accident cover up to a set limit*. This provides cover in the unfortunate event of death or serious injury caused by an accident and a range of other covers including certain fractures and burns.
*Please refer to our Policy Wording for more details.
Travel Abroad
We provide the compulsory minimum insurance required while the insured motorcycle is in any member country of the EU* with all our insurance policies.
*Please refer to our Policy Wording for more details.
Optional extras
Protected No Claims
We know how important it is to protect your hard earned No Claim Discount which is why at Sabre Direct you may be able to protect yours after just one year of claim free riding.
As long as no claim is made or arises under your policy during any one year of insurance your renewal premium will be reduced by a No Claim Discount in accordance with the scale of discounts applicable at the renewal date.
You can continue to protect your No Claim Discount as long as you do not have more than two claims in any five consecutive years.
Please refer to our Policy Wording to view our no claim discount scale.
Leather & Helmet Cover
Only available to add to our Comprehensive insurance policies.
Gear up for protection with our motorbike insurance, now featuring optional cover for your essential riding gear.
We understand that your leather gear and helmet are more than just accessories – they’re crucial elements of your safety and style. That’s why our insurance goes the extra mile, offering dedicated optional cover for your leather attire and helmet. In the event of damage, theft, or loss, rest assured that your gear is safeguarded, allowing you to ride confidently and express your unique style on the road.
Please refer to our Leather and Helmet Policy Wording for more details.
Enhanced Personal Accident
Only available to add to our Comprehensive insurance policies.
Our Enhanced Personal Accident cover offers financial support if you’re involved in a serious accident while riding your motorcycle. It includes payouts for accidental death, permanent total disability, and serious injuries such as the loss of limbs or eyesight. The cover also provides compensation for certain fractures and burns caused by the accident, giving you extra peace of mind and protection when you need it most.
Please refer to our Personal Accident Policy Wording for more details.
Legal Expenses Cover
Legal Expenses cover gives you peace of mind, knowing that help is just a call away. You’ll have access to a legal helpline for advice on any motorbike contract disputes, along with cover for legal fees and expenses related to a claim.
Legal fees and expenses are covered for claims involving personal injury or death resulting from a road traffic accident, claims for damage to your motorbike while in your care or that of a named rider, and up to a specified limit for legal fees in a motorbike prosecution defence, provided we agree there is a genuine defence.
Please refer to our Legal Expenses Policy Wording for more details.
Breakdown
You can add breakdown cover to your policy as an optional benefit for extra peace of mind. Below are the breakdown levels available:
Roadside
Roadside assistance 1 mile or more away from your home address, including a tow for up to 10 miles from the breakdown if your motorbike cannot be fixed.
This covers you for repairs at the roadside as long as you are more than a mile away from your home. We will aim to get you back on the road but if that’s not possible we will tow you up to 10 miles to either your home or to an approved garage.
For more information click here.
Roadside & Home
Breakdown assistance at the roadside or at your home address. If we are unable to get you back on the road, we will arrange to tow your motorbike up to 10 miles to an approved garage or to your home if the breakdown happens away from home.
For more information click here.
Recovery
Breakdown assistance at the roadside and recovery when your motorbike unexpectedly suffers a breakdown in the United Kingdom. We aim to repair your motorbike at the roadside but if it cannot be fixed this cover provides national recovery to the nearest garage, your home address or chosen destination.
For more information click here.
Optional Breakdown cover levels available
| Roadside & Local Recovery | Roadside, Local Recovery & Home Assist | Roadside, National & Home Assist | |
|---|---|---|---|
| Roadside Assistance (breakdown over 1 mile from home) |  | | |
| Local Recovery (Breakdown must be more than one mile from home. Recovery to nearest suitable garage within 10 miles of breakdown.) | | | |
| Home Assist (breakdown within one mile of home) | | |
|
| National Recovery | |
Types of Cover
Existing Customer Portal
Make a claim
In the unfortunate event that you need to make a claim, visit our claims page with details on how to make a claim.
You can also visit our FAQs for more information on our most frequently asked questions.
Manage your policy
Log in to your customer account to:
- Access Live Chat
- View policy details and download your policy
- Make changes to your policy
- Renew your motorbike insurance policy
- Upload documentation