How does a motorbike warranty work?
Key takeaways
A motorbike warranty is a promise from the manufacturer or a warranty provider to cover repair costs if your bike encounters certain mechanical issues within a set time period
For independent or extended warranties, you pay a set amount but the cost will depend on factors like your bike’s model, make, age, mileage, and your chosen level of cover
Warranties generally do not cover wear and tear, consequential loss, oil leaks, or damages resulting from policy breaches
What is a motorbike warranty?
A motorbike warranty is essentially a promise from the motorcycle manufacturer or an independent warranty provider that should your bike encounter certain mechanical issues within a set time period after purchase, the repair costs will be covered.
How does a motorbike warranty work?
How a motorbike warranty works depends on the provider and the type of warranty. If you have:
A manufacturer warranty
New motorbikes typically come with a manufacturer warranty that covers your bike for a set warranty period (often two years but longer warranties are possible) or a set number of miles, whichever comes first.
When the warranty ends you can often pay for an extended warranty.
An independent dealer warranty
If you buy a new or used motorbike from an independent dealer they may offer a warranty, although it’s usually shorter than a manufacturer warranty. You can then pay to extend it.
An aftermarket warranty
For a set monthly amount or a full year upfront you can get cover from an aftermarket warranty provider. You’ll usually have to pay an excess when you make a claim.
Although there may be some years when you don’t need to use the warranty, the potential savings on repairs and the safety net it provides can be invaluable.
Is a motorbike warranty different to my motorbike insurance?
Yes, a motorbike warranty is different to motorbike insurance. A warranty is limited to mechanical breakdowns and is active for a specified time, usually ranging from one to three years.
On the other hand, a motorbike insurance policy offers cover for damage caused by external events, including theft or road accidents.
And while motorbike insurance is a legal requirement, a motorcycle warranty isn’t.
When should I buy a motorbike warranty?
You can buy a motorbike warranty at any time but the point of purchase is a good time, if a warranty isn’t provided by a manufacturer or dealer.
If you have a motorbike warranty provided by a manufacturer make sure you know when it runs out and look into paying for an extended warranty or taking out cover with an after market provider.
Switching providers might not only save you money but could also offer better cover.
Remember that you don’t have to take out a motorbike warranty, you can simply set some money aside for repairs yourself but it is often seen as a valuable addition for the peace of mind it provides to bike owners.
If you have an older, higher mileage motorbike your warranty options might be limited.
How much does a motorbike warranty cost?
The cost of a motorbike warranty varies significantly depending on the warranty provider and several factors related to your bike. These factors include:
Your bike's make and model
The age of the bike
The bike's mileage
Your chosen level of cover
What information do I need to purchase a motorbike warranty?
When you're ready to purchase a motorbike warranty, insurers will require specific details about both the bike and the owner.
You'll need to provide information such as the bike's make, model, age, and mileage. Your home address is also necessary.
Depending on the level of cover you opt for, you may even need to show your provider an MOT certificate.
What isn’t covered by my motorbike warranty?
Before you sign on the dotted line, it's crucial to understand what your motorbike warranty does not cover.
Providers have their own set of terms and conditions, which come with exclusions. It's important to read the fine print to know the extent of your cover. Common exclusions are:
Wear and tear
Generally, a warranty is unlikely to cover wear and tear on bodywork and tyres. However, some providers might include significant mechanical issues that arise due to wear and tear.
Consequential loss
Your warranty might cover a failed part but not any damage the failure of that part causes to other parts.
Oil leaks
While some providers may cover the repair or replacement of a part that's leaking oil, they might not cover the subsequent damage caused by the leak.
Policy breach
It's worth noting that breaching the terms and conditions of your motorcycle warranty can void your cover, leaving you responsible for damage or accidents that occur as a result.
Can I transfer my motorbike warranty?
Yes, you may be able to transfer your motorbike warranty to a new owner if you sell your motorbike but not all warrant providers allow you to do this so check the terms and conditions of your warranty or speak to your provider.
How can I find a good deal on motorcycle insurance?
If you're in the market for motorcycle insurance, MoneySuperMarket offers a comprehensive comparison tool for motorcycle insurance quotes.
By providing personal information, motorcycle details, and your driving history, you can receive tailored quotes that allow you to compare costs, cover levels, and additional options.
This enables you to find the right balance between cost and cover, ensuring you don't overpay or find yourself underinsured.
Author
Jake Edmonds
Former Senior Commercial Manager
Jake was a Senior Commercial Manager at MoneySuperMarket, overseeing the Travel, Business, and Landlord Insurance channels. Jake joined MoneySuperMarket over six years ago, he began his career here...
Reviewer
Sarah Tooze
Car & Van Insurance Expert
Sarah Tooze has been a motoring journalist for more than 15 years, specialising in company cars and vans, and has won a number of awards during her career, including the Newspress ‘Automotive...
