Lancaster Insurance -
Motorcycle Insurance

Lancaster Insurance Motorcycle Insurance Policy

Benefits include:

Agreed Valuation
Roadside Rescue and Recovery
Cover to ride to work when you choose to without paying extra
Occasional or Annual Green Card
Replacement Leathers, Protective Clothing and Helmets
Good Rider Discount so you can use your No Claims Bonus on other vehicles
Discounts for more than one motorcycle - Collectors and Enthusiasts ideal
Discounts for Limited Mileage or Laid Up cover

Lancaster Insurance Agreed Valuations

Whilst the Agreed Valuation will be valid for three years, a declaration will be issued and charged for at each renewal of the insurance policy. This document will be marked 'Statement of Fact' and will be the policyholders declaration that there has been no change to either the condition or the value of the vehicle.

If however, the policyholder feels that there has been a change to either the condition or the value of the vehicle since the certificate was issued, they will complete section 1 of the declaration and resubmit new photographs and documentary evidence (i.e. receipts) for a new valuation. A new three-year certificate will be issued to reflect the new value.

For example:- If the policyholder does not submit Section 1 of the declaration, it will be assumed that they are declaring no change to the condition or value of the vehicle and in the event of a claim, the value stated on the current certificate will be relevant.

This means that in the event of a total loss claim, either by accident or theft, the true value of the vehicle will be paid to the insured and not just the market value. (The market value being the annual depreciating price given to all cars). If any of Lancaster Insurance's insurers dispute the value that Lancaster Insurance have given to a vehicle and do not offer the full valuations as settlement, Lancaster Insurance guarantee to pay the balance.

Car and Motorcycle Agreed Valuations
All forms and photographs must be submitted together. There is no time restriction applied to valuations being submitted so the policyholder may submit the details at their earliest convenience.

The valuation is only valid from the date it is AGREED and NOT from the date of the insurance cover. i.e. The valuation is only valid once a certificate has been produced.

Photographs
(Car) A minimum of four photographs are required. These should include an exposure of the interior, engine compartment and two of the vehicles exterior. One of which must show the registration number.

(Motorcycle) A minimum of two photographs are required. These should include an exposure of the registration number and the other a side view.
Whilst Lancaster Insurance request bills to be submitted, these need only be for work carried out during the insurance year. If a policyholder has just obtained the vehicle, Lancaster Insurance would only require details of any work carried out since purchase. Should the policyholder have an excessive amount of bills dating back many years, Lancaster Insurance would only ask for major receipts dating back three years or so.

If a policyholder is concerned about sending his original receipts, Lancaster Insurance are happy to accept photocopies as long as the originals would be available in the event of a claim.

The photographs should be 35mm prints. Lancaster Insurance can accept Polaroids but it should be made clear that an assessment is based largely on the vehicles appearance and Polaroids rarely show a vehicle in a good light. Colour photocopies or digital prints are NOT acceptable. All pictures must be in colour.

All photographs must be current, which means taken within the last couple of months

Under no circumstances do Lancaster Insurance request an independent valuation from a dealer or restorer. These can often cost money and Lancaster Insurance do not want to put the policyholder to this unnecessary expense when it is not needed.

All photographs and invoices are returned with the Valuation Certificate which is valid for three years

Lancaster Insurance - Licences

Provisional Licence Only
This is without the CBT entitlement. This may be issued in the form of a full car licence or in its own right. You may ride a bike up to a maximum of 50cc.

Provisional Licence with CBT
CBT Compulsory Basic Training, this may also be known as a (DL 196 certificate). CBT must be completed before riding on the road by all learner riders who are resident on mainland Great Britain, Islands that are connected to the main land by a road, and the following Islands: Wight, North Uist, Lewis, South Uist, Harris, Benbecula, Mainland Orkney and mainland Shetland.

Note: Residents of all other islands will be exempt from taking CBT, ie; Isle of Man, Channel Islands etc.. therefore can ride on these islands without the CBT entitlement.

Category (Al) Licence up to 125cc
This is classed as a full licence, a test has been passed therefore no CBT or L plates are required. The maximum power of the bike is 125cc on this licence.

Category (A2) Licence up to 33 BHP
This is classed as a full licence, a test has been passed therefore no CBT or L plates are required. The maximum power of the bike is 33 Brake Horse Power which roughly translates to 250cc. The conversion may vary though depending on the type of bike etc.. and may be a slightly higher engine size in some circumstances.

Category (A) Licence
This is classed as a full licence and will allow the holder to ride any size motorcycle. This can be obtained in one of two ways:

Having held an A2 licence for a period of 2 yrs will automatically change to this licence.

Direct Access, which is by taking a test for any size bike without taking the A1 or A2 tests first.

European Union (EU) Licence
This is a bike licence issued in a country that is in the European Union other than the UK. Choose the country from the pick list on the Lancaster Insurance web page, then refer with the entitlement of the licence which has been issued ie: Up to a certain engine size etc..

Other Licence
This is a bike licence issued in a country that is NOT in the European Union. Type in the country of issue (note; not the town or city) then refer with the entitlement of the licence which has been issued ie: Up to a certain engine size etc..

Lancaster Insurance - Motorcycle Insurance