Does GAP Insurance Cover Motorcycles?

Most GAP Insurance policies are designed for cars, vans, and light commercial vehicles. Many providers specifically exclude motorcycles because of their higher risk of total loss. Some providers may have specialist cover for motorbikes.

Why most GAP excludes motorcycles · What to check · Alternatives to GAP · Related links

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Why most GAP excludes motorcycles

Higher risk: Motorcycles are statistically more likely to be written off or stolen. This is because they can be less robust in an accident, and more prone to theft.
Depreciation patterns: Bikes depreciate differently to cars, making standard GAP terms less suitable.
Market focus: GAP Insurance was created for cars on finance or leases, not motorcycles.
Fully comprehensive insurance is required - some motorbike owners only have third-party, or third-party, fire and theft cover.

What to check if you own a bike

Always read the policy’s eligibility criteria, most exclude motorcycles. Specialist cover may be available.
Confirm with the provider if cover is possible for certain high-value bikes.
If excluded, you’ll need to consider other forms of protection.

Alternatives to GAP

Comprehensive motorbike insurance: Some policies offer “new for old” cover in year one.
Specialist bike insurance add-ons: Certain providers offer additional protection for accessories or agreed value.
Agreed value cover: Instead of GAP, some motorbike insurers offer agreed value options built into the policy.

Tip: If you own a bike and want extra protection, speak to a specialist motorcycle insurer about agreed value cover.