Does motorbike insurance cover helmet and leathers?
Not automatically. Cover for your helmet, leathers and other riding gear is usually an optional add-on rather than part of a standard motorbike policy.
Protecting your riding gear
Helmets, leathers, gloves and boots can be expensive to replace, yet most standard policies do not cover them as a matter of course.
- Clothing and helmet cover is often sold as an optional extra, paying towards kit damaged in an accident or stolen with the bike.
- Limits and excesses apply, so check the maximum payout and whether wear and tear is taken into account.
- Damaged in a crash gear may be covered even if it shows no visible damage, as helmets should be replaced after an impact.
If you have invested in quality protective kit, it is worth adding this cover. Compare quotes and check each broker's add-ons to see what your gear would be worth on a claim.
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Is my helmet covered if I drop it off the bike?
Often only accidental damage tied to an incident is covered. Everyday drops or general wear are usually excluded, so read the policy wording carefully.
Does clothing cover include passenger gear?
Sometimes. Some add-ons extend to a pillion's kit, but cover and limits vary by insurer, so confirm before relying on it.
Should I keep receipts for my riding gear?
Yes. Proof of purchase helps support a claim and makes it easier to agree a fair replacement value for your helmet and leathers.