Insurer reviews
Cross Country Insurance Review
By Sipho Dlamini · 6 min read · Updated 24 June 2026
Cross Country Insurance Consultants is a broker and administrator that specialises in motorcycle and specialist vehicle insurance rather than mass-market private car cover. If you ride a bike, own a quad or a less conventional vehicle, this is the kind of niche specialist worth knowing about, because general insurers do not always cater well for two wheels.
As a broker and administrator, Cross Country typically arranges cover that is underwritten by a licensed insurer, while focusing its expertise on the specialist motorcycle and niche-vehicle market.
This review explains what Cross Country does, who it suits, the excess and disclosure principles that apply to bike and specialist cover, and how it compares. We are an independent information site and not a broker, so we point you to Cross Country's own channels for a motorcycle or bike insurance quote.
What Cross Country Insurance is
Cross Country Insurance Consultants operates as a broker and administrator with a focus on motorcycle and specialist vehicle insurance. Rather than being a one-size-fits-all car insurer, it concentrates on a niche that general insurers often handle poorly.
As a broker and administrator, it arranges cover underwritten by a licensed insurer and brings specialist knowledge of bikes and unusual vehicles. Confirm the underwriting insurer on your policy schedule, and verify that both the underwriter and the intermediary are properly registered on the FSCA register.
Who it suits
Cross Country suits motorcyclists, scooter and quad owners, and people with specialist or less conventional vehicles who want cover from somewhere that understands their risk. Specialist brokers can often structure cover and price risk more sensibly for bikes than a generalist might.
If you only need a standard private car policy, a mainstream direct insurer is usually the simpler route. The value of a niche specialist shows up precisely when your vehicle falls outside the ordinary.
Cover, excess and exclusions for bikes
Motorcycle and specialist cover follows similar principles to car insurance: comprehensive is the widest tier and usually the only one that pays for damage to your own machine, with more limited options also available. Excess is set per policy and risk, and bike-specific excesses can apply.
The usual traps matter even more on two wheels. Non-disclosure about use, riders, storage or modifications can lead to reduced or rejected claims. Read the exclusions, since bikes can carry conditions around safety gear, track use, or storage that a car policy would not.
How Cross Country Insurance compares
Indicative only, and cover is broker-arranged for a specialist market, so treat this as orientation rather than a price guide.
| Feature | Cross Country |
|---|---|
| Cover types | Motorcycle and specialist vehicle cover (comprehensive and limited) |
| Typical premium range (indicative) | Risk-rated for bikes and specialist vehicles; varies widely |
| Excess | Set per policy and risk; bike-specific excess may apply |
| Telematics | Not a core consumer telematics brand; confirm at quote |
| Car hire | May differ from car policies; confirm bike-relevant benefits |
| Roadside | Confirm whether bike roadside or recovery is included |
| Claim process | Via Cross Country as administrator and the underwriting insurer |
Pros and cons
On the plus side, Cross Country brings specialist focus on motorcycles and niche vehicles, which can mean more appropriate cover and pricing than a generalist offers. For riders, dealing with people who understand bikes is a genuine advantage.
The trade-offs: as a broker and administrator, you depend on the underwriting insurer behind the policy, so check who that is, and a niche specialist will not always beat a mainstream insurer on a plain private car. Match the provider to the vehicle you actually own.
Quoting, claiming and escalation
As an independent information site and not a broker, we point you to Cross Country's own channels for a motorcycle or bike insurance quote. Have your vehicle, licence, riding details and storage information ready.
For claims, follow the process set out by Cross Country and the underwriting insurer, and keep records, photos, and any police case number. If a claim is declined or short-paid and the internal complaints process does not resolve it, escalate free of charge to the National Financial Ombud, which now handles short-term insurance complaints previously dealt with by OSTI.
Frequently asked questions
Is Cross Country Insurance an insurer or a broker?
Cross Country Insurance Consultants is a broker and administrator specialising in motorcycle and specialist vehicle cover. The policy itself is underwritten by a licensed insurer. Confirm the underwriter on your schedule and check FSCA registration.
Does Cross Country cover motorcycles specifically?
Yes, its focus is motorcycle and specialist vehicle insurance, a niche general insurers often handle poorly. That specialist focus is the main reason riders consider it over a mainstream car insurer.
How do I get a motorcycle insurance quote from Cross Country?
Get a bike or motorcycle insurance quote through Cross Country's own channels. We are an independent information site and not a broker. Have your vehicle, licence, riding history and storage details ready.
What excess applies to motorcycle cover?
Excess is set per policy and risk, and bike-specific excesses can apply. Ask for the excess structure in writing and read the exclusions, since bike policies can carry conditions a car policy would not.
Should I use a specialist for bike insurance?
If you ride a motorcycle, scooter, quad or specialist vehicle, a niche specialist often prices and structures cover more sensibly than a generalist. For a plain private car, a mainstream direct insurer is usually simpler.
What if a motorcycle claim is declined?
Use the internal complaints process via Cross Country and the underwriting insurer first, and request written reasons. If unresolved, escalate free of charge to the National Financial Ombud, which now covers short-term insurance complaints once handled by OSTI.
