If you are an avid motorcyclist, you know that your gear is a significant investment. From your helmet and leathers to your boots and gloves, replacing your kit after an accident or theft can be incredibly costly. That is where the One Insurance Limited Helmet & Leathers policy comes in.

Here is a simplified breakdown of what this policy offers, how the different tiers work, and the important details you should consider before hitting the road.

How the Cover Works

This policy is designed specifically to protect your motorcycle clothing, helmet, and helmet camera against theft or damage caused by a motorcycle accident. It covers any rider named on your main motorcycle insurance policy, and the cover lasts for the exact same duration as your Motorcycle Policy, provided you keep up with your premiums.

To suit different budgets and needs, the policy is split into three straightforward tiers:

• Basic: Gives you up to £500 in cover, subject to a £50 excess.
• Enhanced: Doubles your cover limit to £1,000 and completely removes the excess (£0).
• Ultimate: Offers the highest level of protection with a £1,500 limit and zero excess.

What is Included?

Regardless of the tier you choose, all policies come with a solid core of benefits:

• Your Protective Clothing: Protection for your leathers, boots, gloves, and helmet.
• Your Helmet Camera: Cover if your camera is damaged in a crash or stolen.
• Passenger Cover: If you frequently carry a pillion passenger, their clothing is also protected up to £250.
• European Cover: Your gear remains protected while you are riding abroad across a wide list of European countries, including France, Germany, Spain, and Italy.
• The Cash Benefit Perk: If you opt for the Enhanced or Ultimate tier, the insurer will also hand you a £250 cash benefit upon making a successful claim for theft or damage. Basic tier holders do not receive this perk.

Highlights and Important Exclusions

Key Benefits:

• Zero Excess Options: Upgrading to the Enhanced or Ultimate tiers removes the excess entirely, meaning you will not be left out of pocket when making a claim.
• Passenger Protection: Covering your passenger’s gear up to £250 is an excellent touch for couples or friends who ride together.
• Cash Settlement: The £250 extra cash payout on successful Enhanced/Ultimate claims is a fantastic bonus that can help with immediate replacement costs.

What to Keep in Mind:

• Proof of Purchase: You may be asked to provide proof of purchase or receipts for any items that you claim for.

• Strict Security Rules: If your clothing or helmet camera is stolen while left unsecured and not in use, your claim will not be covered.
• No Track Days or Courier Work: Your gear is strictly excluded from cover if you suffer a loss while providing courier or messenger services, or whilst participating in track days, rallies, racing, or using de-restricted toll roads like the Nürburgring.
• General Wear and Tear: Gradual damage, scuffs from normal use, or mechanical/electrical faults with your helmet camera are not covered.
• Accidental Damage Outside of Riding: If you accidentally drop and break your helmet whilst walking into your house, this damage isn’t covered. The damage must be caused by a motorcycle accident for a claim to be valid.

The Policy in Action

Imagine you are enjoying a weekend ride through the countryside. You take a slick corner a bit too sharply and have a minor spill. Thankfully, you are perfectly fine, but your £400 helmet is heavily scraped, and your favourite leather jacket is torn. Replacing that kit out of pocket would be a painful, unexpected expense. However, if you had the Ultimate tier of this policy, your £1,500 limit would easily cover the new gear. Because there is zero excess, you wouldn’t pay a penny to make the claim, and you would even receive a £250 cash settlement to help get things sorted quickly.

Ready for Your Next Ride?

Peace of mind makes every journey much more enjoyable. It is always a good idea to take a few minutes to review your current motorcycle cover, so you know exactly where you stand. If you would like to ensure your helmet, leathers, and accessories have the right level of protection, simply reach out to your insurance broker whenever you are ready.