Changing/Cancelling your Policy

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It is essential that you notify us of any changes to your circumstances or if you change your bike, as soon as possible. Failure to do so could invalidate your insurance and result in any claim not being paid. To update your policy please contact us.

Please note: changes to your policy will incur an administration fee of up to £50. Your premium may also be adjusted.

You have a 14 day cooling off period during which you are able to cancel your policy. If you cancel during the cooling off period you will be charged the premium for the time you have held your policy, assuming there has been no incident, plus a charge of up to £25 which covers our administration with the insurer.

If cover hasn't started you will be entitled to a full refund of the premium you have paid, less our administration charge of up to £25.

If you are cancelling outside of the cooling off period you will be charged the premium for the time you have held your policy, again assuming there is no incident, plus an administration charge of up to £50. Our charges are in addition to any charge imposed by your insurer.

Please note, any optional extras that run alongside your policy will also be cancelled.

Please contact us before cancelling, to discuss your refund. For more information on cancelling your policy, please refer to our Terms of Business.

You can cancel your policy if your bike is off the road, but you are likely to be subject to a cancellation fee. You will not be able to claim a refund for the proportion of your policy which you have already used (Time on Risk), while any add–ons you have selected are non-refundable.

You should inform the DVLA that your bike is off the road. This is known as SORN (Statutory Off-Road Notification). If you fail to notify the DVLA, you must ensure your vehicle is taxed and insured even if it is off the road, or you'll automatically be fined £80 by the DVLA.

It is important to note that while the bike is under the SORN you will be uninsured, so in the event of theft of your bike, or damage in a fire you will not be covered – since most standard home insurance policies will not cover motor vehicles.

Motorcycle Direct do offer access to specialist SORN policies, which cover you while your bike is off the road – please click here for details.