Last Update: 15 October 2025
Motorcycle insurance often feels like a last-minute task. Whether it’s scrambling to renew after a reminder arrives in your email/ post or rushing to secure coverage for an exciting new motorcycle purchase, it’s something many riders tend to handle on the fly.
However, taking a more organised approach to motorcycle insurance can make all the difference. Ensuring continuous coverage and a good policy, means avoiding any gaps that could keep you off the road. Plus, renewal time is the perfect opportunity to review your policy, compare quotes, and make sure you’re getting the best deal.
Set a reminder on your desktop, home calendar, or smartphone at least a month before your renewal date. This extra time allows you to review your options, compare quotes, and make the best decision—before your policy auto-renews.
Below is a checklist of everything you’ll need before renewing or requesting a new quote. Having these details ready will help your insurance broker or agent review your policy efficiently and provide you with the most accurate quote.
Personal Details
- Home address
- Garage address (if different from home address)
- Age
- Occupation
- Annual kilometres / mileage (break down how much is for pleasure, commuting, or business use)
- Length of residency in the country
Riding History
- Date you passed your motorcycle test
- Proof of No Claims Discount (NCD) – your current insurer can provide this
- Any pending or existing convictions (including details of what and when)
- Advanced riding courses completed
- Date you passed your car test
Details About Your Motorcycle
- Make, model, and year of your motorcycle
- Current mileage
- Estimated current value of your motorcycle or the one you plan to buy/trade up to
- Any added accessories and their value
- Modifications (e.g., aftermarket exhausts, upgraded brakes, engine work, custom paint)
- Security measures (e.g., installed alarm, GPS tracking system, lock, disc lock)
- Storage location when not in use (garage, driveway, street, garden, etc.)
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Motorcycle Insurance Coverage
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- Type of coverage: Third-party, fire and theft, or fully comprehensive?
- Last year’s premium: How much did you pay?
- Renewal quote: What’s your new offer?
- Coverage start date: When do you want it to begin?
- Excess amount: What level are you willing to accept?
- No Claims Discount (NCD) protection: Do you want to add this?
- Legal coverage: Do you need it?
- International riding: Will you be taking your bike overseas?
- Courtesy bike (if applicable): Do you need one if yours is out of action?
- Breakdown coverage (if applicable in your country): Do you require roadside assistance?
Good luck, and be sure to check out our full guide on getting motorcycle insurance. Even if you’ve been riding with coverage for years, you might pick up some helpful tips along the way.
