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Income protection insurance for motorcyclists

Income protection insurance will include motorcycling and will pay out a tax-free income if you’re injured whilst riding your bike. It’s important to consider the added risks of an accident when riding a motorcycle either on the road or off-road.

An income protection policy provides monthly tax-free payments to the policy holder, if they are unable to work for an extended period of time due to illness or injury. For most people, at a certain point sick pay will run out and this is where income protection becomes important. You can use the payments to help cover monthly bills and medical expenses until you are able to return to work again.

An activity such as motorcycling, whilst fun does involve a level of risk. 4,429 motorcyclists in the UK were severely injured in motorcycle accidents in 2020, with an additional 8,890 being injured to a less serious extent*.

This makes income protection cover a particularly useful policy for motorcyclists, who as vulnerable road users are more at risk of accident and injury than most. Bike insurance is a great option to cover damage to your motorcycle but it is vital to remember to protect yourself as well.

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YES – Most people should be able to get income protection insurance as a motorcyclist with no issues. Whether riding for your own personal enjoyment or being involved in motorcycle racing and track days, there should be a form of insurance out there to suit your needs.

With the level of risk associated riding motorcycles, income protection is actually a very sensible safety net to consider putting in place if you are a frequent rider. If you are ill or injured and unable to work, income protection can be a great financial help at a difficult time.

Government schemes such as Statutory Sick Pay (SSP) will usually be available to you through your employer during sick leave. This will be available for up to 28 weeks. But eventually this entitlement will run out. With an income protection policy in place, you will have the security to be able to further delay your return to work.

Does income protection insurance pay out for motorcyclists?

YES – you should be able to claim on your income protection policy as a motorcyclist if unable to work for an extended period due to illness or injury.

A tax-free sum will be paid to you each month to help cover your usual income, usually between 50% and 70% of your typical earnings before tax.

There are many reasons to claim on income protection insurance. The majority of policies will pay out monthly for 12 or 24 months or even longer, depending on the individual policy and provider.

The most common reason for a motorcyclist to claim will be injury due to road traffic accidents. Riding a motorbike can be a dangerous activity depending on the road conditions.

Some common injuries resulting from motorcycle accidents are:

  • Broken or fractured bones (you can claim for each bone broken, if multiple)
  • Head injuries
  • Road rash
  • Open wounds
  • Muscle damage

Depending on your job role and the severity of the injury, any of the above injuries could cause you to be unable to work. This would then make you eligible to claim on your income protection insurance.

Compare income protection insurance for motorcyclists

Comparison is always a good idea when looking to take out any form of insurance policy. This enables you to put in place the right cover for your needs and at a great price.

We have over 20 years worth of experience in the insurance industry and are experts in finding excellent cover for people taking part in a variety of occupations and activities. We are able to do a comprehensive search across providers to ensure you are getting the best possible price for your policy.

There are many factors to consider when it comes to income protection, and we are always here to provide FREE impartial advice to help you decide on the most suitable cover for your budget and lifestyle.

YES – it should be simple to secure income protection insurance as a motorcyclist. There are options for cover that are excellent for ensuring you are protected in the event of a road accident plus any other injuries or illnesses.

The monthly payments you will receive from your claim allow you the freedom to rest and recover from injury or illness at your own pace. This can take away any worry or fear about needing to rush back to work so you can pay your bills.

How much is income protection insurance for motorcyclists?

You should be able to get income protection for motorcyclists at a very reasonable price in most cases. The price you pay will depend on the level of cover you need and the individual provider.

The more comprehensive the cover, the more you will pay but having that additional cover in place could allow you to live more comfortably in the event you need to claim. This can make a more extensive policy an attractive option, especially to those who take part in activities that can often result in injury.

A person in employment in the UK who is sick for 4 full days or more in a row and usually earning £123 or more per week (before tax) will be entitled to Statutory Sick Pay (SSP). This is a great help if off sick for shorter periods of time. Statutory Sick Pay will however only pay out for a maximum of up to 28 weeks.

If you know you are eligible for sick pay up until this point, you may choose to defer the start of your insurance payments. Choosing a longer deferment period can reduce the costs of your policy for most policies.

Those who are self-employed will not be entitled to Statutory Sick Pay. This can make it if anything more important to put income protection in place. Other than savings, they may have no financial safety net to cover long term absence.

Cheaper income protection insurance for motorcyclists

There are numerous factors to consider when wanting to save money on your income protection policy. These include:

1)   Age – it is best to secure cover as early in life as possible, as premiums will be higher the later in life you put the policy in place

2)   Comparing providers – reducing costs can be as simple as comparing the prices across insurance providers, as often there may be one or two with significantly lower pricing

3)   Get advice – if unsure on your best policy options you can speak to an income protection expert. They can advise you on the most suitable insurers and policies for your needs

4)   Improving health and lifestyle – improving your general health and lifestyle can help you lower the price of your policy

5)   Smoking – smokers can end up paying more for cover, so it is worth considering quitting or reducing the amount you smoke to cut costs

6)   Pre-existing conditions – if you have pre-existing medical conditions that may affect the price of your premiums, speak to an insurance expert for more advice

It is vey possible to save on your policy by considering the above factors before taking out a policy. The best way to ensure you are securing the best possible price is to speak to an income protection insurance expert, who can compare quotes on your behalf.

When thinking about the best cover for motorcyclists, it is worth remembering there are several types of income protection policy available. These are:

  • Short-term income protection insurance which pays out for up to 12 or 24 months from the point of claim. A slightly cheaper option than some other income protection policies, and particularly beneficial for periods of absence that are long term but not permanent.
  • Long-term income protection insurance is a policy that will pay out monthly right up until the end of the policy term. This is good for situations where you need to take an extended amount time off work due to illness or injury. This cover is a lot more comprehensive and so will usually be the most expensive in terms of premiums.
  • Guaranteed sick pay will usually be cheaper than a full income protection policy as it excludes pre-existing conditions as reasons to claim. You can claim for up to 6 months with this policy type.
  • Personal accident insurance is generally the cheapest form of income protection. A key selling point of this policy is that it will pay out for hospitalisation over 24 hours, injuries and accidental death

Does being a motorcyclist affect income protection insurance?

NO – being a motorcyclist shouldn’t affect the ability to take out income protection insurance. Hobbies and activities will not generally bar you from accessing cover in most cases.

As long as you have a valid licence, drive sensibly within the laws of the highway code and are fully insured you should have no issues in securing cover.

You will have to declare that you are a motorcyclist when applying for income protection, along with any other hobbies and health and lifestyle factors. This is important as it allows the insurer to get a full picture of any potential risk factors before offering cover.

Refused income protection insurance for motorcyclists

It is pretty common to be a motorcyclist in the UK, so insurance companies are unlikely to refuse you income protection based on this factor alone. This does not mean, however, that it is impossible to be refused income protection cover.

There are several reasons a provider may decline to provide income protection insurance to an applicant. These include:

  • Dangerous hobbies (e.g. skydiving)
  • Pre-existing conditions
  • High risk jobs

If you have ever been declined cover for any of the above reasons, do not worry. One or two providers may have refused to insure you, but this does not mean that will be the same for all providers across the UK. There will usually be another provider out there that is right for you.

If you have previously been denied cover but are unsure why or want some general advice, speak to one of our insurance experts. We can help you look at all aspects of your lifestyle to help you find the right cover with the correct insurance provider to suit you.

Whilst being a motorcyclist can be a rewarding, exhilarating experience, it can open you up to levels of risk not experienced by other road users.

You do not have any outer shell protecting you like with a car, meaning if you are involved in an accident, your body is at greater risk. It is very possible to sustain some extremely serious injuries.

With an income protection policy in place, you will be entitled to a tax-free payment every month to help cover your salary if unable to work due to illness or injury. This protection could be vital to maintaining financial stability after a terrible event such as a road accident.

Even if you can access sick pay through your employer, recovery times can vary massively depending on the extent of injuries.

Best income protection insurance companies for motorcyclists

Income protection insurance policies will be offered by the majority of the insurance companies operating across the UK. Most income protection policies will cover activities such as motorcycling, but it is a good idea to check this with the provider before taking out cover with them.

It is always best practice to compare pricing and policies across insurance providers, to ensure you’re choosing the one that is most suitable to cover your lifestyle.

There may be certain providers better for covering those with active lifestyles and hobbies, so it is definitely a good idea to consider all of your options. There are a lot of options for providers out there which is great as it allows you some choice and flexibility.

Guaranteed income protection insurance for motorcyclists

There are some policies where you can access ‘guaranteed’ cover. This will be available in some income protection policies for motorcyclists.

With this policy, you are guaranteed to receive cover regardless of your medical history or other lifestyle factors.

The only exclusion with this type of policy is that you will be unable to claim for illnesses or injuries related to any pre-existing conditions you may have.

You must declare any pre-existing conditions when taking out any insurance policy. If you supply false or incomplete information your policy can be made invalid by the provider.

When taking out any insurance policy, the provider will usually ask a series of questions to get a clearer picture of your general health and lifestyle. They will ask about things such as:

  • Age of applicant
  • Height and weight
  • General lifestyle
  • Dangerous hobbies
  • Pre-existing medical conditions

After declaring being a motorcyclist, the insurer may have more questions about this activity. These questions could be about how often you ride, what type of bike you own, how far you travel etc.

How do I claim on income protection insurance for motorcyclists?

Claiming on your income protection insurance policy is a very simple process. It should be a quick and pain free process for you.

Some illnesses or injuries can result in you having to be off work for an extended period of time. In the case that this happens, you should be entitled to claim on your policy. The 4 steps to claim on an income protection policy are:

  • Contact your insurance provider
  • Complete the claim form (most often done online)
  • Submit medical evidence (if required)
  • Submit financial evidence (if required)

Medical conditions linked to motorcyclists

In terms of motorcycling, the most common medical issues tend to result from injuries. Some motorcycle injuries can have extended recovery periods or even cause lasting damage.

Some of the most common injuries for motorcyclists are head injuries and broken/fractured bones. Injuries such as these are serious and can lead to an extended period of recovery. This will depend on how severe the injuries are and if they are widespread (e.g. multiple fractures).

Of course, there is the possibility of developing illnesses or injuries completely unrelated to motorcycling. Most medical issues will be eligible for an income protection claim, if they result in being you unable to work for a long period of time.

Some common reasons for income protection claims are:

  • Mental health issues
  • Musculoskeletal (breaks and fractures)
  • Cancer

Below are some common questions about income protection for motorcyclists:

Do motorcyclists need income protection?

The risk of injury with an activity like motorcycling makes it very worthwhile to put income protection in place. If you are injured on your motorbike, you may need to be off work for a long time period. Income protection helps to cover your monthly salary once your sick pay entitlement has run out.

Will insurers cover a risky activity like motorcycling?

Insurers will agree to cover risky activities based on questions they ask about various risk factors. In the majority of cases, you will be able to access cover as a motorcyclist.

What conditions are covered by income protection insurance?

Most medical conditions and injuries will be covered by an income protection policy, as long as they leave you unable to work. The only exception will be if an insurer excludes you from claiming for a condition that is pre-existing.

How long will income protection pay out for?

This depends on the policy you choose. Short term income protection will generally pay out for anywhere between 12-24 months. Long term income protection can pay out for years at a time, up until you retire. Check with providers as to the maximum period of time you can claim for.

What will not be covered by motorcyclists income protection?

There can be various exclusions on policies depending on the individual applicant’s medical history and lifestyle.

You may not be able to claim for accidents caused by alcohol consumption, drug use or dangerous driving for example. Check your policy specifics with the provider for more information on what is covered.

*according to the UK Department for Transport

Useful resources for motorcyclists

Below we have linked some useful resources related to the topics discussed on this page:

British Medical Association – Protecting your mental health

NHS Digital – Sickness absence rates

Gov.uk – Taking sick leave

Iam|INSURED – Motorcyclists life insurance

Gov.uk – The Highway Code – Rules for motorcyclists (83 to 88)

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