Montesa Cota 4RT Race Replica Insurance

A combination of the Race Replica bike and the right Montesa Cota 4RT Race Replica insurance is a match that keeps you going at all times, no matter the competition, terrain or situation.

As the leading bike insurance comparison site in the UK, we specialise in providing off-road insurance policies at the cheapest rates. We know the risk you take, and how best to protect you. With access to more than 40 insurance underwriters, we can get you the perfect quotes for your needs and budget.

Montesa Cota 4RT Race Replica Description

The Cota 4RT Race Replica is equipped with a fuel-injected, four-valve 259cc four-stroke engine upgraded to include a crankcase chain protector, stronger clutch and new bash plates. Its fork legs are shielded by carbon fibre protectorsand the brake and clutch lever brackets use a single bolt to make adjustment easier. With a full World Championship decoration, the Montesa Cota 4RT Race Replica is competition-ready.

Is Motorbike Insurance Necessary?

Unless modified to make them road legal, off-road bikes are not legally required to have insurance. However, to participate in some activities and competitions, coverage is often required. Getting an insurance policy also covers damage to your bike and injuries.

Types of Insurance Policies

There are three types ofMontesa Cota 4RT Race Replica insurance. Each one has a varying degree of cover and prices. They are the comprehensive insurance, the third party only, and the third party, fire, and theft insurance options.


This policyis the most inclusive of all three options and the most expensive. It covers damages to your bike and the cost of medical treatment as well as personal injuries. Also, it protects you against damages and injuries sustained by third parties.

Third Party, Fire, and Theft

Aside from covering third parties’ injuries and damages to properties, it protects your bike in the event itis stolen or damaged in a fire.

Third Party Only

ThisMontesa Cota 4RT Race Replica policy is the cheapest. It only covers injuries sustained by a third party and damages to their properties. It does not cover injuries to you or damages to your bike.

Factors that Affect Cost Insurance

Some factors could increase or reduce the cost of your Montesa Cota 4RT Race Replica insurance premium. They include;

Claims History

If you have made zero or few claims, then you could get a better discount than someone who has a long claim history.


Living in an area with a high crime rate puts your bike at risk. Therefore, your insurance premium could be higher.


Modifying your machine to become road-legal could increase your insurance premium.


Adding more anti-theft features such as an alarm on your bike or keeping it in a locked shed reduces the cost insurance. 

Get Free Montesa Cota 4RT Race Replica Quotes Today

Getting cheap Montesa Cota 4RT Race Replica insurance quotes cannot be easier. All it takes is one application form that contains your details. With the form, we’ll get you quotes from the top insurers in the country. Request a quote now or call us on 0333 577 6406 to get started.

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