Frequently Asked Questions
Our FAQs below have been written to provide answers to the questions customers ask most about motorbike and quad insurance. Hopefully, these will help with any queries you may have but if they don't, we'll be delighted to hear from you. You can call us on FREEPHONE 0800 221 8272. We look forward to being of assistance.
Section 1:Motorbike and quad bike licenses
Q: What licenses do I need to ride motorbikes and quad bikes?
A: For motorbikes, if you have a car driving license and passed your test before 1st February 2000, this will enable you to ride a moped or bike that is limited to 50mph and has an engine no larger than 50cc. If you passed your car driving test after 1st February 2000, a provisional motorbike license will be needed.
To ride quad bikes on the road, you must be 17 or over and hold a full car driving license. No license is needed to ride quad bikes off road.
Q: What types of motorbike license are available?
A: You can choose from two main types of motorbike license:
A standard license (class A) is granted if you take your test on a bike that has an engine size between 120cc and 125cc and is capable of a top speed of at least 100mph. For the first two years after passing your test, you will though only be allowed to ride bikes up to 25kW with power/weight rations up to 0.16kW/kg.
A light motorbike license (class A1) is granted if you take your test on a bike that has an engine between 75cc and 125cc. This license will allow you to ride bikes up to 125cc with outputs of 11kW.
Q: What is meant by compulsory basic training?
A: Compulsory basic training or CBT was brought in to help reduce accidents involving young or inexperienced riders. Today, you must complete CBT if you live in Wales and want to ride on the road.
Section 2: Motorbike and quad bike insurance policies
Q: What different types of insurance policies are available?
A: There are essentially three types of motorbike and quad insurance.
Comprehensive insurance covers you against the loss of your bike or quad or damage to it. If your bike or quad is damaged maliciously, in an accident or by fire, comprehensive policies will cover the cost of repairs, provide a replacement or pay a sum equal to the value of the damage caused. Accident recovery will also be included. In addition, comprehensive insurance covers you against claims made by other people for injury, death or damage.
Third party fire and theft insurance protects you against your bike or quad being stolen or damaged by fire. It also covers claims other people may make against you for injury, death or damage. Third party only insurance does not cover you if your bike or quad is stolen. Instead it protects against claims other people may make for injury, death or damage.
Q: Who can you provide motorbike and quad insurance for?
A: As one of the UK's leading insurance specialists, we can provide policies for all types of motorbike and quad bike rider including young riders, newly qualified riders, convicted riders, riders who use their vehicle to commute to work and those who actually use their vehicle whilst at work. We also insure all kinds of motorbikes and quads from mopeds to superbikes and junior quads to high performance sports quads.
Q: What does compulsory excess and voluntary excess mean?
A: Compulsory excess refers to a set amount that will be taken off any settlement you may receive. Voluntary excess can be an amount chosen by you to help reduce your premiums. This will also be deducted before a settlement is paid to you.
If, for example, you make a claim for £1,000 but have a compulsory excess of £100 and a voluntary excess of £200, you will actually receive £700.
Q: Will the no claims bonus from my car insurance policy help to reduce my premiums?
A: No. Unfortunately car insurance is viewed differently to motorbike or quad insurance. You can therefore only use your bike or quad insurance no claims bonus.
Section 3: General motorbike and quad insurance questions
Q: Can you insure women riders?
A: Yes. We can provide any type of insurance for any motorbike or quad our female customers wish to ride.
Q: Can you insure myself and other people to ride lots of different bikes or quads?
A: Falcon Insurance can insure you to ride several bikes or quads or several people to ride one bike or quad. Unfortunately, we cannot insure a group of people to ride several different bikes or quads. Our multi bike and multi quad policies can cover you to ride a number of bikes or quads and are usually cheaper than taking out individual policies for each vehicle.
Q: If I have had previous accidents even in a car, do you need to know?
A: Yes we do. You need to make us aware of all accidents you may have been involved in because if you don’t and you need to make a claim, your insurance could be void.
Q: What should I do if I need to make a claim?
A: If you need to make a claim, simply contact Falcon Claims Service on 0844 557 0717. Claims Recovery Service will process your claim as quickly and smoothly as possible for you. If your bike or quad has been stolen, you also need to inform the police as soon as possible.
Q: Can you provide a quote before I actually purchase a motorbike or quad?
A: Yes and any quote we provide will be valid for a period of 30 days.
Q: Will I be covered to use my bike or quad at work?
A: Your insurance will normally cover you to ride to and from work but if you need to use your vehicle as part of your job, you'll need to take out insurance that covers you for business use which we can of course provide.
Q: How can I pay for my insurance?
A: You can choose to pay either in one lump sum or in instalments. Payments can be made with cash, cheque, debit and credit cards. Our friendly insurance specialists will work with you to agree the best payment option for you.
Q: How do I go about renewing my policy.
A: Simply call us on
