Cheap motorbike insurance quote online UK glossary of terms:

Certificate of Motor Insurance
a legal document supplied as evidence of the contract of insurance. The effective date of the certificate is the date that you made the contract of insurance or the date when you sought a change to the particulars of the contract (i.e. changed your motorcycle).

Claim
when a person, or company, seeks payment or settlement under the terms of an insurance policy. This could be you making a claim under the terms of your insurance policy or a Third Party claiming against you and therefore against your insurance policy.

Comprehensive Insurance
this gives you both of the above and also covers accidental damage to your motorcycle.

Compulsory Excess
imposed by the insurance company to keep the overall premium down or to discourage claims for small amounts. Compulsory excess is very common for young and inexperienced drivers and for expensive motorbikes.

Contract of Motor Insurance
your motor insurance policy, the certificate of insurance, the schedule (detailing your particulars) and any endorsements (changes) in addition the proposal form or questionnaire that you have completed.

Courtesy Bike
a motorbike provided by the repairer (at the request of your insurer) to 'keep you mobile' in the event of your bike being off the road for damage repair. It is not intended to be a 'like-for-like' vehicle.

Excess
either voluntary or compulsory (see below). Excess is the amount you contribute if you make a claim for damage to or loss of your vehicle. If an accident is not your fault it may be possible to obtain a reimbursement from the person at fault.

Compulsory or Voluntary Excess
is an amount that you agree to pay, at the outset, towards the cost were there to be a claim under your policy. An excess may be voluntary, where you elect to pay an excess in exchange for a reduction in your premium or compulsory; or imposed because of adverse driving experience, young drivers or the type of vehicle which you are insuring or automatically imposed for all customers.

Insurance Group
Nearly all motorcycles fall into one of several motorcycle groups dependant on a multitude of factors - performance, cost of repair, security, value of the vehicle are the main factors in assessing which group a motor bike falls into.

Insurance Premium Tax
a Government tax on all insurance policies, which is collected by us on their behalf.

Liability
legal responsibility for causing loss or damage to someone else's property or injury to a person.

Market value
the cost, in the opinion of an independent motor engineer (see below) of replacing your motorcycle with a bike of the same make, model, specification, similar age, condition and mileage.

Mid Term Adjustment
a change to your policy details which forms part of your contract of insurance when accepted by your insurer and any premium requested is paid.

No Claims Discount
A no-claims "discount" (NCD) or "bonus" means you don't have to pay the full premium if you don't claim. You might get, say, a 30 per cent discount after the first year and this could rise to 65 per cent after four or five years. Insurers often give the discount to new customers who have a claims-free record with another company. A no-claims discount is not a no-fault discount. You could lose the discount if you claim even when an accident is the fault of another driver.

Protected No Claims Discount
In the event of a claim, if your insurance company cannot recover their outlay from the person responsible, or you cannot recover your excess, your no-claims discount is normally reduced at next renewal. Bonus protection allows up to two non-recoverable claims in a three or five year period without reducing your no-claims discount. This optional extra can cost a further 15% on your premium.

Protected No Claim Discount
an addition to your cover, available for an extra premium, which protects your No Claims Discount status in the event of a claim being made. NOTE: There are conditions attached to this extension in cover. For an extra premium you can protect a no-claims discount you've built up. The insurer will allow a certain number of claims with a set number of years - for example, two claims within five years. These claims won't affect your no-claims discount.

Renewal Date
12 months on from the time that you started your policy. You will be sent a renewal notice, a few weeks before your renewal date, outlining the terms and conditions and price for the following year based on the information you have provided the insurance company. If there have been any changes in your, or your approved riders circumstances you must tell the insurance company. They aim to offer the best premium available and with your agreement will send you your new certificate of insurance.

Third Party Only Insurance
Covers you for claims made by other people for bodily injury or damage to their property.

Third Party, Fire and Theft Insurance
As above, plus your car is covered if stolen or damaged by fire.

Voluntary Excess
When taking out an insurance policy you may obtain a discount on the premium if you agree to pay towards the cost of any claim for loss of or damage to your vehicle.