Everything You Need to Know
General Questions
BikeLife Cover is designed for UK motorcyclists who want life insurance and related protection that takes their riding into account fairly.
Yes. Most major UK insurers can offer life insurance to motorcyclists, often on standard terms when the application is presented correctly.
BikeLife Cover provides specialist information, then connects you with trusted advisers who are authorised and regulated by the Financial Conduct Authority (FCA).
BikeLife Cover works with FCA‑authorised partners who compare leading UK insurers for life insurance, critical illness cover, income protection and other protection products.
Biking is the core focus, but the team also provides information on travel insurance, home insurance, over‑50s plans and personal accident cover through trusted partners.
Content is updated regularly, but products and underwriting rules can change, so details cannot be guaranteed 100% current at all times.
You can start by requesting a quote or speaking to a specialist who understands both bikes and insurance, who will then compare options from their insurer panel.
Coverage & Packages
In most cases, standard life insurance will pay out if you die in a motorbike accident, provided you answered application questions honestly.
Riders can choose from level term life cover, decreasing term (mortgage cover), whole‑of‑life and over‑50s plans, plus family income benefit, and can combine policies if needed.
Many people aim for a benefit around 10 times their annual income, but the right amount depends on your mortgage, debts, expenses and family plans.
Some riders can secure cover from about £5 – £10 per month, with many policies in the £20 – £40 per month range depending on age, health and cover level.
Insurers look at engine size, type of bike, mileage, road or off‑road use, track days or racing, and also your health, job and any serious past accidents.
They may ask about how long you’ve ridden, licence type, frequency, discipline, level of competition, events like Isle of Man TT, and bodies such as ACU or AMCA.
Yes. You should always disclose that you ride and accurately describe how and where you ride when you apply, then check any changes with an adviser.
Critical illness cover pays a lump sum if you are diagnosed with a serious condition listed in the policy, helping with big costs like mortgages or time off work.
Income protection replaces part of your income if you cannot work due to illness or injury, which can be valuable for riders with ongoing financial commitments.
A condition does not automatically stop you getting cover, but it may affect price or exclusions; specialists can often find options depending on your health history.
Yes, sometimes a different insurer or updated underwriting means cover can be offered even after a previous decline.
No. Partners usually work with a broad panel of reputable insurers, not every provider, so recommendations come from that panel.
Claims & Support
If a valid claim is made, the insurer pays the agreed benefit (lump sum or income) to your beneficiaries, subject to policy terms and any exclusions.
Claims are handled by the insurer, but your adviser or broker can usually help your family understand the process and required documents.
If your riding, health or family situation changes, a specialist can review your existing cover and discuss whether adjustments or a new policy are sensible.
Billing & Account
No. You do not pay BikeLife Cover directly; if you take out a policy, commission is paid by the partner or insurer instead.
In most cases you pay the same premium as going direct, because commission is built into life insurance products whether or not you use a specialist.
BikeLife Cover receives commission from its partners when a policy is purchased, which allows the service and guidance to remain free for riders.
Most policies include a cooling‑off period and options to cancel or adjust later, but any changes, refunds or charges depend on the insurer’s terms and conditions.
Still Have Questions?
Reach out to our customer support team for prompt and reliable assistance
You deserve life cover that understands how and why you ride
At BikeLifeCover, we specialise in life insurance for UK motorcyclists, so your family can stay financially secure while you enjoy every mile
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