Motorcycle Insurance


Here at Kawasaki Insurance, our customer focussed quotation specialists are genuine motorcycle enthusiasts with access to bespoke schemes. We pride ourselves on our open-minded approach to insurance meaning we listen to your individual circumstances and requirements and work with you to find an insurance offering of affordability, quality and reliability. All policies benefit from up to £100,000 of FREE legal expenses, new bike replacement for newly registered bikes written off within 6 months, uninsured driver accident cover and unlimited accessories cover.


Regardless of whether you have just one Kawasaki or multiple bikes that you need insurance for, Kawasaki Insurance can help. Our claims line is operational 24/7, 365 days a year and we can also authorise repairs through the Kawasaki Dealer network, giving you that additional peace of mind. Call 0800 141 2523

Kawasaki insurance


We know that as a Suzuki rider, you are passionate about your motorcycle and as a result, demand insurance cover that is comprehensive, full of benefits but competitively priced. On top of that, you’d like to have the reassurance that Suzuki trained Technicians will only fit Suzuki Genuine Parts; keeping your Suzuki 100% Suzuki – always.

Our best prices are available over the phone so call us first on 0808 100 1103 and speak to a Suzuki Insurance specialist today to get the cover that's right for you. Our call centres are open 7 days a week or click here for an online quote.

  • Suzuki Insurance provides insurance for the entire range of Suzuki motorcycles, scooters and off-road bikes.
  • All policies include new bike replacement for newly registered bikes written off within 6 months, uninsured driver accident cover and unlimited accessories cover.
  • We also cover provisional and A2 licence holders, track days, personal accident, and protective clothing.
  • On top of that we give club member and limited mileage discounts.
  • All our policies include £100,000 of free legal cover as standard.
  • To make sure that we're always there for you, our claims line is operational 24/7, 365 days a year.
  • Plus much more.

Call the Suzuki Insurance quotation line on 0808 100 1103

Authorised and regulated by the Financial Conduct Authority. Suzuki Insurance is a trading name of Adrian Flux Insurance Services.

Yamaha Motor Insurance is designed specifically for Yamaha owners, and simplifies the whole process of getting cover for your Yamaha vehicle.

The range of top quality products covers all aspects of Yamaha ownership, and provides you with high levels of protection at competitive rates, giving you peace of mind for more enjoyable, worry free riding. With Yamaha Motor Insurance you benefit from an exclusive scheme and can expect a first class service from our dedicated team.


Lexham Insurance has provided our customers with cost-effective road insurance for over ten years and we are confident in their ability to secure you a competitive quote. They have great understanding of the scooter market and multi bike policies.

Click on the Lexham Banner below for an online quote.



Motorcycle Gap Insurance

Gap Insurance




Over 2 million new motorcycles, cars and vans are sold every year in the UK
Over 700,000 vehicles are subject to a total loss claim each year
Motor insurance companies do not pay the original invoice value of your vehicle in the event of such a claim, and usually well below its replacemnt value.


GAP insurance is designed to pay the difference between your motor insurance settlement and your outstanding finance balance* or your original price paid for the motorcycle* whichever is greater.

Calculate the risk

Cost of your new or used motorcycle today £10,000
Less estimated insurance write-off amount for your motorcycle in, e.g. 1, 2 or 3 years £6,000
= Your Uninsured Loss £4,000
Vehicle written-off after 24 months
Vehicle Purchase Price: £10,000
Motor Insurance Price £6,000
Shortfall: £4,000
Asset Secure Guaranteed Asset Protection Pays: £4,000


GAP PLUS - Combined GAP Finance Shortfall & Return to Invoice

Pays the difference between your write-off insurance settlement and the bikes original invoiced cost – or outstanding finance, whichever is the greater.

Vehicle Price 3 Year GAP
Cover limit £5,000 Including IPT
To £5,000 £259


Cover limit £10,000 Including IPT
£5,000 to £15,000 £295


Cover limit £15,000 Including IPT
£15,000 to £25,000 £329




Terms and Conditions
The information contained in this brochure is a brief outline of this insurance. A copy of our KeyFacts policy summary is available from your dealership, or from AMS Insurance Services Limited at Heyford Park, Upper Heyford, Oxfordshire OX25 5HD. T: 01869 232 563. AMS Insurance Services Limited, United Kingdom (registered in England no. 3976974) is authorised and regulated by the Financial Conduct Authority, FCA Register No. 310422. AMS Asset Secure® GAP insurance products are underwritten specifically for AMS by Lloyd's of London and other major insurance companies, details of which are contained in our policy summary.
Version Ref: EW016 10/2016 © AMS Asset Secure® 1992 – 2015 All Rights Reserved
This Policy is issued and will be administered by AMS Insurance Services Limited (“AMS”), which has its office at Heyford Park House, Heyford Park, Upper Heyford, Oxfordshire OX25 5HD. Telephone 01869 232563. AMS is authorised and regulated by the Financial Conduct Authority No. 310422.
The insurance is underwritten by Lloyd’s Syndicate 4444 which is managed by Canopius Managing Agents Limited. Registered Office: Canopius Managing Agents Limited, Gallery 9, One Lime Street, London, EC3M 7HA. Registered in England no. 01514453. Canopius Managing Agents Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference: 204847. Registered Office: Canopius Managing Agents Limited, Gallery 9, One Lime Street, London, EC3M 7HA. Registered in England no. 01514453.
Significant Features
Under GAP Plus, in the event that your motor insurer declares your vehicle a total loss, subject to the terms of their policy, we will pay the difference between the settlement you receive from your motor insurer and the original invoiced purchase price of your motor vehicle or the outstanding balance owed under your finance agreement, whichever is the greater. The maximum we will pay under GAP Plus is dependent on the level of cover purchased. Motor vehicles eligible for this cover are: passenger cars costing up to £175,000, light commercial vehicles to GVW 3500KG costing up to £50,000, motorcycles and motor scooters costing up to £40,000. The motor vehicle must be under 10 years old at the start of cover and purchased no more than 180 days prior to the cover start date. The maximum term of cover available is 48 months. The date that your insurance starts and your period of insurance are shown on your Policy Schedule.
Who Can Apply For Cover?
You can apply if you are:
 the registered owner and/or keeper of the motor vehicle that has, and will have, a comprehensive motor insurance policy, or minimum third party fire and theft on motorcycles and motor scooters, (motor trade insurance policies of any type are excluded) at all times throughout the period of the insurance shown in the schedule in your name as the policyholder and
 If your motor vehicle type is not listed as excluded as follows: Aston Martin, Bristol, Cosworth, De Tomaso, Ferrari, Lamborghini, Masserati, Rolls Royce and mopeds of any type, any left hand drive vehicle, a vehicle which does not meet EC approval or is not commercially available in the UK direct from a manufacturer or its authorised importer or dealer, any taxi, mini cab, courier or delivery vehicle of any type, any private or public rental vehicle, any rally or competition vehicle of any type.
General Conditions
 This insurance does not replace motor vehicle insurance and does not cover any loss, damage or liability to any property or person, however caused, other than the benefits explained above.
 The purchase price of the vehicle will not include the cost of any dealer fitted accessories, extended warranty charges, road fund licence, insurance premiums or any amount transferred from a previous finance agreement or any ‘cash-back’ amount unless an additional premium has been paid for this cover.
 If you have another similar insurance with us or another insurer in respect of the same vehicle, then we reserve the right to reduce any benefit we may pay.
 If any claim made by you or anyone acting on your behalf under this insurance is fraudulent, deliberately exaggerated or intended to mislead, we may:
o not pay your claim; and
o recover (from you) any payments we have already made in respect of that claim; and
o terminate your insurance from the time of the fraudulent act; and
o inform the police of the fraudulent act.
o If your insurance is terminated from the time of the fraudulent act, we will not pay any claim for any incident which happens after that time and may not return any of the insurance premium(s) already paid.
 Subrogation: We may, at our discretion, take any steps at our cost in your name against any person, including but not limited to, your motor insurance policy insurer, to recover any money paid in settlement of your claim. You must give us all the assistance that is necessary.
No benefit will be paid in respect of:
 Any liability for death or bodily injury or damage to any person, damage to property or any other losses or expenses arising from the event that results in the total loss of the motor vehicle.
 Any contribution that you more specifically insure elsewhere.
 Any additional costs within the insurance settlement for anything other than the purchase of the motor vehicle. This includes, but is not limited to, administration charges, option to purchase charges, late payment changes and arrears, early settlement charges.
 Any of your finance agreement instalments that are in arrears or any interest on arrears, or any deficit due to non-payment or erratic payment of any amounts that you should have paid under the terms of your finance agreement or any outstanding financed amount transferred from any previous finance agreement including “Cash Back” to your current finance agreement.
 If the event causing the total loss is occasioned by your deliberate act or with your consent.
 If the claim or loss is caused by you taking part (either directly or indirectly) in a crime, drink driving offence or you being under the influence of drugs.
 The amount of any policy excess on your motor insurance policy exceeding £250.
 Your motor insurance policy insurer replacing your motor vehicle or offering you a replacement vehicle in settlement which you decline.
 Your motor insurance policy insurer offers to repair your motor vehicle but you have instead requested the claim to be dealt with on a total loss basis.
 If the claim or loss is directly or indirectly caused by war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind.
 If the claim or loss is directly or indirectly caused by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
GAP Plus - Combined GAP Finance Shortfall / RTI - Return To Invoice
Version Ref: EW016 10/2016 © AMS Asset Secure® 1992 – 2015 All Rights Reserved
How to Claim
To make a claim under your policy, please contact the insurer’s claims administrator: AMS Insurance Services Limited on 01869 232563 as soon as possible after the event leading to the total loss of the motor vehicle, but in any event within 120 days of the date of total loss.
Policy Cancellation
30 Day Cooling Off Period You may cancel this insurance, without giving reason, by advising the motor dealer or broker you purchased the insurance from and returning the insurance documents within 30 days of it starting. You will receive a full refund of all premium paid from the motor dealer or broker provided that no claim has been made and you do not intend to make a claim. After The 30 Day Cooling Off Period If you cancel this insurance after the cooling off period then, provided no claim has been made, you will receive a refund proportionate to the unexpired term of the insurance less an administration fee of £35. To cancel your policy after the cooling off period, please write enclosing your insurance policy document to AMS Insurance Services Limited at Heyford Park House, Heyford Park, Upper Heyford, Oxfordshire, OX25 5HD.
Policy Transfer
Your policy is only transferable under the following conditions:
 If your motor insurer replaces your vehicle with one of the same make and model, we will provide a new GAP Policy for this vehicle for the term and cover of your original GAP Policy free of charge. There is no administration or transfer fee.
 You change your vehicle at any time within your policy term we will provide a new GAP Policy on the changed vehicle for the agreed premium less a pro-rata discount equal to the refund of unearned premium on your existing policy. There is no administration or transfer fee.
 In order to transfer your policy to a replacement vehicle or obtain a new policy on another vehicle, please contact AMS whose contact details are given on page 1. You will need to send them: i) A copy of the original invoice for your vehicle. ii) A copy of the invoice for the replacement vehicle. iii) A copy of your current GAP Policy
 In the event of your death within the term of this policy, the remaining benefit of this insurance may be transferred to your spouse or partner.
When Your Policy Ends
Your policy schedule states when your cover will end. Cover will automatically end earlier, without any refund of premium, if: you sell or transfer the vehicle, we pay a claim under the policy, your finance agreement ends for whatever reason unless we otherwise agree, your motor insurance policy ends for whatever reason.
Customer Complaints
Our aim is to provide you with a high quality service at all times, although we do appreciate that there may be instances where you feel it is necessary to lodge a complaint. If you do wish to complain, please note the 3 steps below, along with the relevant contact details for each step. Please take special note, however, that should you wish to direct your complaint directly to Lloyd’s in the first instance, you may do so by using the contact information referenced in Step 2 below. Step 1: In the first instance please direct your complaint to: AMS Insurance Services Ltd Heyford Park House Heyford Park Upper Heyford Oxfordshire OX25 5HD. Tel: 01869 232563 Email: Step 2: Should you remain dissatisfied with the outcome of your complaint from AMS your legal rights are not affected, and you may refer your complaint to Lloyd’s. Lloyd’s contact information is: Complaints at Lloyd’s Fidentia House Walter Burke Way Chatham Maritime Kent ME4 4RN Tel: +44 (0)20 7327 5693 Email: Website: Details of Lloyd's complaints procedure are set out in a leaflet "How We Will Handle Your Complaint ", which is available at the website address above. Alternatively, you may ask Lloyd’s for a hard copy. Step 3:
If you remain dissatisfied after Lloyd's has considered your complaint, you may have the right to refer your complaint to an alternative dispute resolution (ADR) body. If you live in the United Kingdom or the Isle of Man, the contact information is:
Financial Ombudsman Service
Exchange Tower
London E14 9SR
Tel: 0800 0234 567 (calls to this number are free on mobile phones and landlines).
Tel: 0300 1239 123 (calls to this number cost no more than calls to 01 and 02 numbers).
Email: Website:
If you live in the Channel Islands, the contact information is: Channel Islands Financial Ombudsman PO Box 114 Jersey, Channel Islands JE4 9QG Jersey +44 (0)1534 748610 Guernsey +44 (0)1481 722218 International +44 1534 748610 Facsimile +44 1534 747629 Email: Website:
Compensation Details
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we are unable to meet our obligation to you under this insurance. Further information can be obtained from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St. Botolph Street, London, EC3A 7QU. Tel: 0800 678 1100 (Freephone) or 020 7741 4100. Website:

© Copyright 2024 5-WAYS Motorcycle Centre. All rights reserved

Fiveways Motorcycle Centre Ltd is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Fiveways Motorcycle Centre Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

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