The level of cover you need from your motorbike insurance depends on various factors, including your individual circumstances, the value of your motorcycle, your budget, and your risk tolerance. However, there are three primary levels of cover offered by motorcycle insurance policies, each providing different levels of protection:

1. Third-Party Only (TPO) Cover: This is the minimum legal requirement for riding a motorcycle in most countries. TPO cover provides protection against liability for injury to other people (including passengers) and damage to their property if you’re involved in an accident deemed your fault. It does not cover any damage to your motorcycle or injuries to yourself. TPO cover is typically the cheapest option but offers the least amount of protection.
2. Third-Party, Fire, and Theft (TPFT) Cover: In addition to the protection provided by TPO cover, TPFT cover also includes coverage for your motorcycle if it’s stolen or damaged by fire. However, it still does not cover damage to your motorcycle in the event of an accident or injuries to yourself. TPFT cover offers a moderate level of protection and is often chosen by riders with older or less valuable motorcycles.
3. Comprehensive Cover: Comprehensive cover provides the highest level of protection and includes all the features of TPFT cover, plus coverage for damage to your motorcycle in accidents, regardless of fault. It also covers injuries to yourself and your passengers, as well as additional benefits such as roadside assistance, medical payments, and coverage for accessories. Comprehensive cover offers the most extensive protection but is generally the most expensive option.

When deciding on the level of cover you need from your motorbike insurance, consider the following factors:

• The value and condition of your motorcycle: If you have a newer or more expensive motorcycle, comprehensive cover may be a wise investment to protect your investment adequately.
• Your budget: Evaluate your financial situation and determine how much you’re willing to pay for insurance premiums. Remember that while comprehensive cover offers the most protection, it also comes with higher premiums.
• Your risk tolerance: Consider your risk tolerance and how comfortable you are with assuming the costs of repairs, medical bills, or other expenses in the event of an accident. Comprehensive cover provides greater peace of mind by offering broader protection.

Ultimately, it’s essential to assess your individual needs and priorities to determine the level of cover that best suits you. You may also want to consider additional optional coverages or policy add-ons to customize your insurance policy further based on your specific requirements. Additionally, it’s advisable to compare quotes from multiple insurance providers to find the most suitable coverage at the best price.