Principal Motorbike Insurance
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About Principal Motorbike Insurance
The name is fast becoming associated with motorcycle insurance, but Principle insurance services also specialise in providing motorhome, car and taxi insurance.
This Principal Motorbike Insurance review is being completed to help explain what this Manchester based insurance broker has to offer the motorcycle enthusiast. Principal issued their first policy in 2011 and in 2015 they expanded their operations and opened an office in Dublin, Ireland.
What type of broker is Principal Motorbike Insurance?
Principal Motorcycle Insurance is a broker who specialises in bike insurance. They offer specific policies for classic, vintage, custom, sports, touring bikes and cruisers that fit the needs of each type of bike and biker.
- Custom and Classic Bikes Insured
- Sports and Supersports bike insurance.
- Custom motorcycle insurance chops and trikes
- Quad bike insurance
- Mopeds and Scooter insurance.
- Trail and Enduro bikes.
What types of policies are issued by Principal Motorcycle Insurance?
While it is not stated on their website, more than likely the policies being offered include Third Party, Third Party Fire and Theft and Comprehensive. What is placed on their website includes the following and is included in all policies issued;
- Legal expenses are covered up to £100,000.
- Discounts are offered to motorcycle club members (10%), the installation of theft deterrent systems and for those that have provable advanced riding qualifications.
- Payment options include in full or monthly payments that has interest attached to it.
What levels of cover are available with Principal Insurance Services?
You can choose from three different levels of motorcycle cover available with Principal
Third-party (TPO)
Third-party only is the legal minimum bike insurance required for riding on public roads in the UK. This is the lowest level of cover and will only cover your motorcycle, paying out to a third party for injuries or claims for damage
It’s worth highlighting that if you need protection for your motorbike, third-party cover is not sufficient. For this, you should consider comprehensive cover.
Third-party fire and theft (TPFT)
This is basic third-party motorbike insurance, but with theft and fire cover for your own motorbike. It’s better than TPO, but still doesn’t provide protection for your own motorcycle in case of accident damage
The extra cover means that if your motorcycle is stolen or suffers fire damage, the TPF&T policy will cover the repair costs, and if the bike is beyond repair, it will pay out the market value for replacement, unless you have negotiated a ‘new for old’ policy with the principal insurance provider.
Fully comprehensive
This is the top level of motorbike cover available, which includes TPF&T, plus, importantly, coverage for your own bike if it is damaged in an accident, along with cover for fire and theft.
Please note that every motorcycle insurance policy will come with an excess amount. This is the amount you must pay in the event of making a claim. This applies to all bike insurance providers.
Did you know
Every motorcycle insurance policy will come with an excess amount. This is the amount you must pay in the event of making a claim. This applies to all bike insurance providers. If you choose to incease the excess amount most provider will reward you with cheaper quote!
What are the extras for Classic and Vintage bike coverage?
- Coverage in Europe when on a road trip
- Both limited and unlimited mileage policies.
- Zero deduction for salvage right retention.
- Coverage for rally, track day, wedding hire and static display.
- Coverage for rally, track day, wedding hire and static display.
What are the extras for Custom bike coverage?
- No limit to the number of road legal modification on the bike.
- Turbo and Nitro kit are covered.
- Both limited and unlimited mileage policies.
- The value of the bike is set when the policy is taken out and agreed to by the bike owner and the insurance company underwriting the policy.
Is Multi bike policy offered?
Yes, you can cover all the bikes you own under one policy. The types and classification of the bikes covered do not have to be the same, so the everyday bike can be covered along with the classic and vintage bikes in your garage. Because there is more than one bike being covered, the polices for each bike will be discounted as compared to individual policies not under the multi bike umbrella.
Principal Insurance Services
Principal insurance is a broker that still like to speak with their customers over the phone. They believe this is the best way to find out each individual’s requirements and provide them with the best service. They don’t follow scripts with sales targets that they must reach. It is a genuine attempt to provide you with a good service from the wide range of insurance brokers that they have on their panel. They don’t just provide standard 125 cc motorbike insurance, but cater to all types of bikes, bikes that some other brokers such as Aviva motorbike insurance do not quote for.
Policies from Principal Motorcycle Insurance can be taken online or over the phone. They promise to keep things simple and straightforward. They state they have issued more than 40,000 policies in both the UK and Ireland.
Compare multiple bike insurance quotes
If renewal time is approaching, and you are after cheaper motorbike insurance, then it helps to have multiple motorcycle insurance quotes to compare the available options. Finding the right motorbike insurance policy will take some time, but opting to stay with your existing provider may be costing you more than you think. Some providers offer their best incentives to acquiring new polices, hoping existing customers will just continue.
Need tailored motorbike insurance quotes? Then simply click or tap the blue quote button below and once you’ve provided the necessary information, you’ll be sent quotes from a range of specialist motorcycle insurance providers.
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Motorbike Related:
- Updated: 04 March 2025
- Reviewed by Eamonn Turley Insurance Expert