• usually covered by comprehensive policies only. •• usually covered by comprehensive & third party, fire & theft policies. ••• usually covered by all policies. Accidental damage cover • Loss or damage to your vehicle •• Loss or damage to your motorcycle by fire, theft or attempted theft. You may have to pay a policy excess towards the cost of claims (subject to the conditions of your policy). Damage to your motorcycle & spare parts. You may have to pay a policy excess towards the cost of claims (subject to the conditions of your policy). Personal injury to other people ••• Covers your liability for death or injury to other people (including pillion and side car passengers) arising from use of your motorcycle. Damage to other people's property ••• Covers your liability for damage to other people's property. If you were involved in an accident which causes damage to another road vehicle for example, your insurance company will pay the cost for repairing the other vehicle for which you are legally responsible. Passenger negligence ••• Covers liability of passengers riding pillion (accidents caused by them).