logo
What Motorcycle Insurance Doesn’t Cover

What Motorcycle Insurance Doesn’t Cover

Aiman HakimAiman Hakim· · 1 min read
Reviewed by Siti Nurhaliza · Authorised by Lee Wei Ming · Last reviewed
Table of contents
Tags
  • Coverage

Even a comprehensive motorcycle policy has limits — knowing them before you need to claim avoids an unpleasant surprise.

Common Exclusions

  • Riding without a valid licence for that motorcycle class
  • Modifications not declared to the insurer
  • Personal riding gear and helmets (unless a specific add-on is purchased)
  • Wear and tear or mechanical breakdown

Add-Ons Worth Considering

Personal accident cover and riding gear protection are common add-ons that close some of these gaps for a modest additional premium.

Tags
  • Coverage
Aiman Hakim
Aiman HakimSenior Content Writer
Senior content writer at BJAK, specialising in car insurance guides and claims education.View profile
Siti Nurhaliza
Siti NurhalizaLicensed Insurance Adviser
Licensed insurance adviser reviewing every BJAK article for accuracy and regulatory compliance.View profile
Lee Wei Ming
Lee Wei MingHead of Content
Head of Content at BJAK, responsible for editorial standards across all published guides.View profile
Back to all articles