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Motorbike enthusiasts are being warned that their insurance policy may not cover helmets and leathers as new research shows that only 4 percent cover it as standard.
If you own a motorcycle take care when comparing motorbike insurance policies to ensure you are aware of what they cover and what they do not.
Recent analysis of motorbike insurance policies by Defaqto revealed expensive motorcycle clothing including helmets, leathers, boots and gloves are not commonly included on insurance policies.
The findings also found 54 percent of providers do not offer clothing cover, 42 percent cover it as an optional extra and only four percent cover clothing as standard.
"Wearing protective clothing on a motorbike is common sense, but enthusiasts know only too well that it can cost well over a thousand pounds to kit yourself out," said Mike Powell, Defaqto's general insurance insight analyst.
"It really is worth checking whether your motorbike policy covers clothing in addition to the cover for the bike itself and any excess that may be applied."
Premiums can range from £22 to £48 with the maximum limit of any claim ranging from £25 to £1,.
Research earlier in the summer by Post Office Motorcycle Insurance revealed one in five bikers do not have the right licence while 4 percent of provisional licence holders have illegally carried a passenger.
The study showed riders are unaware of common motorbike laws surrounding the illegality of carrying passengers on a provisional license, however of the 4 percent who had carried a passenger 88 percent knew it was against the law.
Those who ride large engine motorcycles also admitted their policy only covers small bikes and mopeds accounting for 21 percent of surveyed riders.
Compare Motorbike Insurance Online
Many insurance policies do not cover everything a motorcyclist may need and as such it is important to take time to compare the right policy for you.