While motorbike insurance is a legal requirement to ride on the road, mechanical breakdown insurance (MBI) in the form of a motorcycle warranty is completely optional.
With a bike warranty you pay a monthly premium and in return your repair bills will be covered for a specified list of mechanical and electrical problems.
Premium prices and cover options vary between policies, depending on factors including your motorbike’s age, make and model.
The majority of warranties will need you to pay an excess to make a claim, which will be a percentage of the labour and/or parts cost.
Most bike warranties last between one and five years, but you might have the option to extend this. Some warranties might be based on the motorcycle’s mileage, rather than how old it is.