We have to exclude some riders to keep your premium down. We cannot cover you if: You have been declined when trying to purchase/renew your policy in the last 3 years. Or you have had your policy terminated in the last 3 years. You've had your licence suspended or cancelled in the last 5 years. Your motorcycle is registered under your company You use your motorcycle for commercial purposes, hire or reward. You use your motorcycle to perform delivery services, whether on a full time or part time basis. However if you use your bike for food and/or parcel deliveries only (e.g. GrabFood, Deliveroo, Food Panda etc.), this can be covered if you declare such usage to us truthfully.