Motorcycle insurance


KGM’s broad motorcycle insurance covers a wide variety of risks. The policy can be adapted to suit many different experience and usage levels.

Who we work with

  • Riders over 30 years of age
  • Full UK licence of over 12 months
  • UK residents of over three years

What our classic motorcycle policy covers

  • Loss or damage as a result of accidental damage, malicious damage and vandalism, fire, self-ignition, lightning or explosion, and theft or attempted theft
  • Riding other motorcycles (subject to terms)
  • Replacement locks and keys up to £300 per incident
  • Foreign use in EU countries
  • Legal costs and third-party liability up to £20m


  • Agreed value
  • Protected no claims bonus
  • Foreign travel cover for non-EU countries for up to 90 days
  • Extended foreign EU travel cover for social, domestic, and pleasure purposes

Additional benefits of the motorcycle policy

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New motorcycle replacement

We will replace a new motorcycle with another of the same model and specification if repairs exceed 60% of the market value.

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Multi-vehicle cover

Collectors can receive a discount for placing several motorcycles on the same policy.

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Discounted premiums

We offer discounts based on length of ownership, usage, and Thatcham security.

Additional benefits of the KGM service

Direct access to underwriters

At KGM, our broker-partners get direct access to our expert motor insurance underwriters. We take the time to get to know you and use our specialist knowledge to tailor our products to fit your client’s needs – making it quick and simple to find the best deal for your clients.

Operational efficiency

With no lengthy proposal forms to go through, our underwriters make the decisions themselves in real-time. We give our broker-partners a fast turnaround of quotes and documentation, making the process as fast and as smooth as possible.

Customisable products

All our products are designed to be flexible. We consider your client’s needs and experience to create a unique policy that is tailored to them. Designed and underwritten by specialist motor insurance experts.

Specialist motor underwriting, without the roadblocks

Dedicated to providing quality service, KGM makes it easy for brokers to find the right cover for their clients.

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A+ rated specialist motor insurance

We have an A+ rated capacity through our provider, Zurich, with a primary line of £130 million.

We're here to help

If you are a broker or intermediary wishing to make an enquiry, please use the form below or call us on 0208 5301811. For clients wishing to discuss a new or existing policy, please contact your broker directly. 

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