A motorbike is a source of pride and joy, so it's worth protecting. Bike insurance covers you for events such as accidents or theft. But a motorcycle warranty can help cover the cost of repair if it suffers electrical or mechanical failure. Here we look at the different kinds of motorbike warranties and what they cover.
What's a motorbike warranty?
A motorbike warranty is a service contract which can cover repairs or replacement of certain components if they break or fail.
If you buy your bike new, these are often provided by the manufacturer as a guarantee, giving you peace of mind in case things goes wrong. They might also be provided by a dealership if you buy secondhand, or you could buy a standalone policy.
The warranty gives you financial protection that your bike can be fixed if something goes wrong during a set period.
It's also worth noting that this is not a replacement for motorbike insurance, which you'll need to drive legally on public roads.
How does a motorcycle warranty differ from motorcycle insurance?
A motorbike warranty is similar to insurance in that it covers you for things going wrong. But that's pretty much where the similarity ends.
A motorbike warranty covers repairs for things going wrong internally, such as electrical or mechanical failure.
On the other hand, motorbike insurance covers you for damage as a result of outside forces - such as collision with a third party, fire or theft. And another important difference is that bike insurance covers you for injury to other people or damage to their property. This is why motorbike insurance is a legal requirement.
In addition, warranties tend to be time-limited, or expire after you've exceeded a certain mileage. Whereas motorbike insurance needs to be in place for as long as the bike's on the road.
What's covered by a motorcycle warranty?
Warranties cover repairs for mechanical issues. Exactly what's covered will vary depending on the provider and your agreement, so it's worth checking the small print. But a policy will generally cover certain primary components. It's also worth noting that certain things will be excluded.
What's covered?
- Swing arm and gearbox
- Clutch
- Cooling system
- Electrics
- Casings
- Shaft drive unit
- Front forks
- Suspension
- Breaks
- Frame
What's not covered?
- Wear and tear. Warranties don't usually cover wear and tear on bodywork and tyres. It may also apply to more serious technical problems, so be sure to check the T&Cs.
- Oil leaks. Some providers may cover the leak itself, but not further damage caused by the leak.
- Consequential loss. Similarly, in cases of 'consequential damage', policies may not cover repairing or replacing a part if it was damaged by another part not covered by the warranty.
- Policy breaches. You may void your cover if you make modifications, or use unapproved parts.
Why does a warranty matter?
A warranty isn't compulsory, but it has numerous benefits. Most of all, they provide a safety net from the cost of repairs. And these cost savings can be significant, especially with new bikes.
If you buy a new motorcycle, there's a good chance it'll be sold with a warranty. This can give you financial security and peace of mind from the get-go. You may also have the option of annual renewals.
Also bear in mind that keeping the bike in a good state of repair will help to preserve its resale value.
Generally speaking, terms and conditions will apply. For example, you may need to service your bike regularly to keep the warranty active. Plus it may also expire once you exceed a specified mileage.
Types of motorbike warranty
There are three main types of bike warranty:
Manufacturers’ motorcycle warranty
As mentioned, new bikes will usually come with a manufacturer's warranty. But you can still buy an additional warranty if it offers better cover, or value for money.
When buying secondhand, if the bike's still fairly new, there's a chance it may be covered by the manufacturer's warranty. But be sure to check, as the former owner may not have adhered to its terms.
Independent dealer bike warranties
If you buy a motorbike from a dealership, it may come with a warranty. If it's a used bike, this is likely to be short - perhaps as little as three months. But you may be able to buy an extension for a fee.
As with all financial contracts, be sure to check the terms and conditions. Most of all, make sure you're getting the cover that you need.
Extended motorbike warranties
Otherwise known as an 'after-market' motorbike warranty, an extended motorcycle warranty is a standalone policy you can take out for yourself. This may be in addition to an existing warranty, or the only type of warranty you have.
Normally you'll have to show your bike has been serviced recently. And for bikes older than 3 years, you'll need a current MOT certificate.
It may also be worth checking if you can transfer the warranty, in case you choose to change your bike in the warranty duration.
When should I buy a motorbike warranty?
When it comes to warranties, timing is important. Even new bikes aren't immune from things going wrong straight away, so it's a good idea to invest in a motorbike warranty when you buy.
With new bikes, this is likely to be provided as part of the purchase. But with used bikes, if you're not offered a warranty by the dealership or seller, it's a good idea to shop around and invest in a policy as soon as the bike's yours.
Can I get a used motorcycle warranty?
Yes, you can usually get a warranty for a secondhand bike, provided it meets the eligibility conditions.
As mentioned, if it's still relatively new and has low mileage, it may still be covered by the original manufacturer's warranty. But don't assume this is the case - always check.
If not, or you still want additional protection, you can buy a warranty from an after-market provider.
How much does a motorbike warranty cost?
The cost of a motorcycle warranty is likely to vary significantly depending on:
- Your bike's make and model
- Its age
- Its mileage
- The level of cover you choose
It'll also vary depending on the provider. This is why it's important to shop around with a range of providers, making sure you get the right level of cover at the right price.
How do I get a motorbike warranty?
We don't currently compare motorbike warranties. But if you're looking for insurance, you can compare bike insurance from a range of trusted providers with us.
Otherwise, you could ask your bike's seller if they have any recommendations, assuming they don't offer warranties themselves. Or you can search for warranty providers online.
There tends to be an application process. You'll need to provide details about yourself and the bike, such as:
- Your name, age and address
- The make and model of your bike
- Its age and mileage
- Its service history
- Its current MOT certificate, if applicable
Frequently asked questions
How do I claim on my motorbike warranty?
If you've got a faulty bike, take it to a mechanic to see what's wrong. If it's still in warranty and the fault is covered, you should be able to claim.
Your warranty paperwork should guide you through the process, and tell you how to claim. If you're having any problems, speak to your warranty provider for assistance or find out more about claiming on a warranty at Citizens Advice.
Can I extend my current bike warranty?
Warranties tend to be time-limited or limited by mileage, but there's often the chance to extend.
Check your policy T&Cs to see if there's anything about extension. If not, contact your provider. If they don't give you the option, you may still be able to get an extended warranty from an independent provider, as long as your bike meets the eligibility criteria.
Will I still be covered if I self-repair my bike?
In a word, no. If you try to repair your own motorbike you'll probably invalidate your policy. For one, you may make the problem worse, and potentially cause more damage. Even if you do a great job, policies may stipulate that an approved garage need to repair your bike. Your best bet is to take it to a qualified mechanic.
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