Extra cover for your motorbike through Swinton

Call us now to get a quote: 0333 035 9480

Rider's Legal Protection

Rider’s Legal Protection will cover up to £100,000 towards legal expenses which you may incur if you have an accident that wasn’t your fault where there’s a responsible third party. The policy is underwritten by RAC Insurance Limited.

If you report the incident as soon as possible - and there must be a 51% or greater chance of legal proceedings being successful - Rider’s Legal Protection cover could help you with recovering the below from the responsible third party:

  • Alternative travel costs for commuting whilst your bike is out of action
  • Compensation for personal injury
  • Loss of earnings
  • Cost of replacing damaged possessions e.g. phone, keys
  • Recover repair costs for damage caused by potholes when riding on public roads

Your policy may also cover:

  • Access to a 24hr legal helpline
  • Motor prosecution defence if you are accused of or have committed a riding offence
  • Legal support for a dispute regarding a vehicle sale or purchase and servicing / repairs not up to expected standard

Things you should know

  • Details of the third party at fault must be known to proceed with your claim
  • There must be at least a 51% chance that legal proceedings will be successful
  • Legal proceedings must not be commenced without the Insurer’s permission
  • Legal expenses or other cost are not covered if they are incurred prior to the insurer accepting the claim


Helmet and Leathers Cover

Helmet, leathers, boots and gloves are all part of your essential kit as a motorbike rider, and we can certainly appreciate how expensive this kit can be.

At Swinton, we're here to try and help you get back in the saddle. Our Helmet and Leathers Cover, underwritten by Astrenska Insurance Limited, will provide you with the following:

  • Up to £1,500 cover per year for the replacement or repair of your leathers, boots, gloves and helmet following an accident

Things you should know

  • A £50 excess applies per claim
  • Proof of purchase is required to make a claim
  • This policy does not cover wear and tear, theft, or any damage to passenger clothing or equipment
  • Helmet and Leathers Cover can only be purchased with your Motorbike Insurance policy
  • Underwritten by Astrenska Insurance Limited


Motorcycle Personal Accident Cover

Motorcycle Personal Accident provides cover for bodily injuries suffered as a result of an accident whilst riding your Motorcycle. Our Motorcycle Personal Accident Insurance, underwritten by Astrenska Insurance Limited, also covers the named drivers and pillion passengers in addition to the main policyholder.  

  • Cover provided for riders up to 85 years of age 
  • Lump sum payments in the result of a bodily injury up to £21,000 (quadriplegia) 
  • Accidental death, loss of sight, limbs, speech or hearing, and total permanent disablement up to £15,000
  • £50 a day hospitalisation up to a maximum of £500 per accident
  • Fractured bones up to £1,000 
  • Dislocations up to £500
Things you should know

  • This policy does not cover claims arising from or associated with physical or mental conditions or disabilities which you suffered from prior to the accident
  • This policy does not cover claims arising from criminal activity or whilst under the influence of alcohol or drugs
  • There is no cover whilst the vehicle is being used for hire or reward, racing, competition, trials, track days, speed testing or for any purpose in connection with the motor trade, haulage, or courier services

Motorcycle Personal Accident Cover FAQs

Motorcycle Personal Accident Insurance is optional cover that may help to provide financial security to you and your loved ones in the event of an accident, resulting in injury, disability or, in tragic circumstances, loss of life. It can help cover medical expenses, loss of income or costs relating to a disability caused by an accident.

This cover typically protects named riders and pillion passengers against various accidents, including collisions with other vehicles or hazards, single vehicle collisions, accidents whilst mounting or dismounting, and any accidents that may be caused whilst undertaking emergency roadside repairs to the insured motorbike. It's important you read your policy carefully to ensure your needs are met and to be aware of any exclusions that may apply.

Various medical expenses are covered under your policy, such as physiotherapy, as recommended by a medical practitioner or expert.  The amount depends on the number and severity of injuries sustained. Limits do apply in some instances.

Yes, there are some limits on the coverage provided, dependent on the injury sustained. For example, a dislocation pays up to £500, a fracture pays up to £1000, whilst a loss of limb can pay up to £15,000 and quadriplegia up to £21,000. 

Motorcycle Personal Accident Insurance can provide financial protection for you and your loved ones in the unfortunate event of death or disability, but this may be subject to some limitations.

Not at all! Swinton Motorcycle Personal Accident Insurance doesn’t only cover the policyholder, it covers any rider authorised and insured to ride the vehicle. It even covers passengers travelling on the vehicle at the time of the accident.

You can purchase the cover if you have a pre-existing medical condition. However, you will not be able to claim for an accident that arises from, or as a result of, any physical or mental condition or disability you currently suffer from.

You don’t need any documents to purchase Motorcycle Personal Accident cover! We will just take a few details and you can get cover instantly. 

Yes, you can cancel your Motorcycle Personal Accident Insurance policy at any time. However, you will only receive a refund of your premium if you cancel within the 14-day cooling off period.

If you need to make a claim, please call our claims line on 0333 035 9003 as soon as possible. We will ask for details of the accident, and we may request some documents from you, but we'll be here to guide you through every step of the process.

The cost of Motorcycle Personal Accident Insurance is a fixed cost of £22.99.


Here at Swinton, we believe Motorcycle Personal Accident cover may not only help to provide financial security in the event of an accident, but it can also bring peace of mind to you and your loved ones, should the unthinkable happen. However, you should weigh up the benefits and ensure that the policy covers all your needs and requirements before you purchase.

Swinton offer Motorcycle Personal Accident Insurance for 12 months, but you can renew your policy at the end of the term if you require longer cover.  You can purchase cover up to the age of 85.

Yes, you can renew your policy once the 12-month term has ended if you require more coverage.

Unfortunately, you won’t be able to add Motorcycle Personal Accident cover to your policy mid-term. However, you can purchase it when you renew your policy if you still wish to do so. Just get in touch with us when your policy is due for renewal, and we’ll add it on for you.

Call us now to get a quote

0333 035 9480

Excess Protection

We're sorry - from 1 April 2024, we're temporarily unable to offer Excess Protection as an optional extra on new bike insurance policies, but it will be back soon.

Motorcycle Breakdown Cover

Breakdown Cover? We understand that the last thing you want to be thinking about while you're out on the open road is breaking down – find out more about our Motorcycle Breakdown Cover options.