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Equity Red Star Motorbike Insurance

Equity Red Star’s Motorbike insurance is available in three levels of cover - Third Party Only, Third Party, Fire & Theft and Comprehensive. A Third Party Only policy covers your legal liability to others, as well as the foreign use of your Motorbike. A Third Party, Fire & Theft policy covers your legal liability both at home and abroad. It also insures your Motorbike against loss and damage; any accidental or malicious damage, however, is not covered with this type of policy. A Comprehensive policy is the most exclusive option. This policy protects your Motorbike against loss and all kinds of damage, accidental or otherwise. It also provides you with foreign use cover and legal liability cover.

Every policy covers your legal liability to others for up to £20m. This includes any injury or death involving a third party, as well as any damage to a third party’s property. Equity Red Star covers the costs and expenses relating to property damage for up to £5m. Your liability coverage extends to any Motorbike you drive within the UK. The policy also pays out for emergency medical treatment following an accident. Each policy also covers foreign use. You and your Motorbike are fully insured within European Union countries, as long as your trip abroad lasts no longer than 60 days and you are a permanent resident of the UK.

Both Third Party, Fire & Theft and Comprehensive policies protect your Motorbike against loss and damage. A £100 limit applies for fitted accessories and spare parts permanently attached to your Motorbike. You can extend this cover to include all spare and dismantled parts belonging to your Motorbike while it is in repair at a garage; if parts are damaged or missing, you can claim up to £500 for the cost of replacement.

If your Motorbike is not roadworthy following an accident, call the 24-hour helpline. Equity Red Star associates will arrange for your Motorbike’s recovery from the scene of the accident. You can also claim the cost of your Motorbike’s repairs. If the cost of repairs is greater than the market value of the Motorbike, Equity Red Star will pay for its replacement. The value of the new Motorbike must not exceed the market value of your old Motorbike.

Equity Red Star offers its customers a No Claim Bonus. If you make no claims on your policy, you could earn a discount of 50 percent after just five years - a substantial discount on the already low premiums. Any claims for emergency medical treatment will not affect the No Claims Bonus.

Equity Red Star offers Breakdown and Recovery Service for an additional cost. If your Motorbike breaks down, call the 24-hour Rescue Control Centre. Equity Red Star will send for roadside assistance on your behalf. The insurance company will also cover the cost of call-out fees and labour charges.

If your Motorbike cannot be fixed at roadside, you can claim the cost of its recovery to the nearest garage; alternatively, you can send your Motorbike to any location within the UK. Breakdown and Recovery Service provides cover for your Motorbike at distances greater than one mile from your home. But the UK Breakdown, Recovery and Home Service offers even more protection. This policy add-on extends your Breakdown and Recovery Service to include the one mile radius around your home.

The Personal Accident and Personal Belongings Cover is available for an additional premium. If you die in a Motorbike accident, the Personal Accident benefit pays out £10,000 to your surviving family. If you lose a limb or your eyesight as a result of an accident, you can also claim up to £10,000 to help cover your medical bills. Equity Red Star makes only one payment per policy; once you have made a claim, the policy effectively ends.

The Personal Belongings Cover pays out £250 to cover the replacement costs of your crash helmet, clothing and any other personal items stored on your Motorbike if those items are lost or damaged as a result of an insured incident. With this type of cover, you will have to pay an excess of £25.

You can also purchase a Protected No Claim Bonus cover. This insures your No Claim Bonus; if you make a claim during the policy term, you will not lose your discount. The Protected No Claim Bonus covers the first claim only. You will lose your discount with the second claim. The Specialised Paintwork cover protects the paintwork on your Motorbike against damage. If an accident ruins your Motorbike’s paintwork, you can claim up to £500 to cover the cost of its repair.

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