Not all motorbike insurance policies provide cover for motorcycle clothing

A minor motorbike accident can cause considerable damage to not only the driver and the motorcycle, but also to the protective clothing worn by the motorcyclist.

Analysis of motorbike insurance policies conducted by independent financial research company Defaqto has found that only 4 per cent of motorcycle insurance policies offer cover for motorcycle clothing, such as helmet, leathers, boots and gloves, as standard.

The findings revealed that 54 per cent of motorcycle policies do not provide cover for clothing; 42 per cent of motorcycle policies cover clothing as an optional extra and 4 per cent of motorcycle policies cover clothing as standard.

Mike Powell, Defaqto’s Insight Analyst for General Insurance, said: “Wearing protective clothing on a motorbike is common sense, but enthusiasts know only too well that it can cost well over a thousand pounds to kit yourself out with the necessary boots, leathers, gloves and helmet. It really is worth checking whether your motorbike policy covers clothing in addition to the cover for the bike itself and any excess that may be applied.”

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