Compare Principal Motorbike Insurance

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About Principal Motorbike Insurance

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance


Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team July 2023

The name is fast becoming associated with motorcycle insurance, but Principle insurance services also specialise in providing motorhome, car and taxi insurance

This Principal Motorbike Insurance review is being completed to help explain what this Manchester based insurance broker has to offer the motorcycle enthusiast. Principal issued their first policy in 2011 and in 2015 they expanded their operations and opened an office in Dublin, Ireland.

What type of broker is Principal Motorbike Insurance?

Principal Motorcycle Insurance is a broker who specializes in bike insurance. They offer specific policies for classic, vintage, custom, sports, touring bikes and cruisers that fit the needs of each type of bike and biker.

  • Custom and Classic Bikes Insured  
  • Sports and Supersports bike insurance.
  • Custom motorcycle insurance chops and trikes
  • Quad bike insurance
  • Mopeds and Scooter insurance.
  • Trail and Enduro bikes.

What types of policies are issued by Principal Motorcycle Insurance?

While it is not stated on their website, more than likely the policies being offered include Third Party, Third Party Fire and Theft and Comprehensive. What is placed on their website includes the following and is included in all policies issued;

  • Legal expenses are covered up to £100,000.
  • Discounts are offered to motorcycle club members (10%), the installation of theft deterrent systems and for those that have provable advanced riding qualifications.
  • Payment options include in full or monthly payments that has interest attached to it.

Levels of Bike Insurance Available with Principal Insurance Services

Third Party Only (TPO)

Third party only, which is legal minimum bike insurance for riding on public roads in the UK. This is the lowest level of cover and will cover your motorcycle and only pays out to a third party for injuries or claims for damage.

It is worth highlighting that if you need protection for your motorbike third party is not the cover that you need, for this look to comprehensive cover.

Third Party Fire & Theft (TPF&T)

This is the basic third party motorbike insurance, but with theft and fire cover for your own motorbike, better than the base cover, but still no cover for your own motorcycle for accident damage. 

The extra cover means that if your motorcycle is stolen or suffers fire damage, the TPF&T policy will provide for repair and if beyond repair it will pay lout the market value for replacement. Unless if you have negotiated a new for old policy with Principal insurance. 

Comprehensive insurance

This is the op level of motorbike cover that is available and includes TPF&T plus importantly cover for your own bike if it is damaged in an accident plus you have the cover for fire and theft

Please note that every motorcycle insurance policy will come with an excess amount, This is the amount you must pay out in the event of making a claim. This is true of all providers of bike insurance.

What are the extras for Classic and Vintage bike coverage?

  • Coverage in Europe when on a road trip
  • Both limited and unlimited mileage policies.
  • Zero deduction for salvage right retention.
  • Coverage for rally, track day, wedding hire and static display.
  • Coverage for rally, track day, wedding hire and static display.

What are the extras for Custom bike coverage?

  • No limit to the number of road legal modification on the bike.
  • Turbo and Nitro kit are covered.
  • Both limited and unlimited mileage policies.
  • The value of the bike is set when the policy is taken out and agreed to by the bike owner and the insurance company underwriting the policy.

Is Multi bike policy offered?

Yes, you can cover all the bikes you own under one policy. The types and classification of the bikes covered do not have to be the same, so the everyday bike can be covered along with the classic and vintage bikes in your garage. Because there is more than one bike being covered, the polices for each bike will be discounted as compared to individual policies not under the multi bike umbrella.

Principal Insurance Services 

Principal insurance is a broker that still like to speak with their customers over the phone. They believe this is the best way to find out each individual's requirements and provide them with the best service. They don't follow scripts with sales targets that they must reach. It is a genuine attempt to provide you with a good service from the wide range of insurance brokers that they have on their panel. They don't just provide standard  125 cc motorbike insurance, but cater to all types of bikes, bikes that some other brokers such as Aviva motorbike insurance do not quote for.

Policies from Principal Motorcycle Insurance can be taken online or over the phone. They promise to keep things simple and straightforward. They state they have issued more than 40,000 policies in both the UK and Ireland.

Compare multiple bike insurance quotes

If renewal time is approaching, and you are after cheaper motorbike insurance, then it helps to have multiple motorcycle insurance quotes to compare the available options. Finding the right motorbike insurance policy will take some time, but opting to stay with your existing provider may be costing you more than you think. Some providers offer their best incentives to acquiring new polices, hoping existing customers will just continue.

Need tailored motorbike insurance quotes? Then simply click or tap the blue quote button below and once you’ve provided the necessary information, you’ll be sent quotes from a range of specialist motorcycle insurance providers.

Don’t have your bike registration number? No problem, click here.

MultiQuoteTime Ltd Does not recommend any insurance Companies. Services offered by this provider may change over time. Always check Ts&Cs.

*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could
achieve is dependent on your individual circumstances.

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