Motorbike Insurance
Learn how motorbike insurance works, the levels of cover available, and what to consider so you can drive with confidence on UK roads.
What is motorbike insurance?
Motorbike Insurance is a type of motor insurance that protects your motorbike against the potential risks of being on the road.
It’s designed to provide financial protection for motorcyclists in the event that you cause damage to other people, vehicles or property. Depending on the level of cover you select, you can also protect against fire, theft and damage to your own vehicle.
It is a legal requirement for all drivers and vehicles to have at least the minimum level of cover (Third Party) in place to drive on UK roads.
Ready to get a free quote and compare your motorbike insurance options?
Types of motorbike insurance
Third party
Covers the cost of any damage to a third party’s vehicle or property if you are involved in an accident and you were at fault.
Third party, fire & theft
Covers the cost of any damage to a third party and will also pay out if your own car is stolen or damaged by fire.
Fully comprehensive
Covers everything in third party, fire & theft, and the cost of repairing or replacing your vehicle in an incident even if no other car, or an uninsured car, was involved.
What can motorbike insurance cover?
Damage to other vehicles
Fire damage to your motorbike
Personal accident cover
Injury to other people
Theft of your motorbike
Your legal liability to drive on UK roads
Damage to your own motorbike in an accident
Helmet, leathers and other protective clothing
Hugo’s helpful notes:
The scope of coverage is dependent on the insurance provider you choose. Please carefully read insurance policy wording to understand what is covered and what is excluded in your motorbike insurance policy.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
FAQs
Got questions about motorbike insurance? Here are some of the most common ones.
How can I get cheap motorbike insurance?
You could pay less than £195* on your motorbike insurance premiums when using this comparison service. By entering your details just once, you’ll be able to see real tailored quotes from over 25+ motorbike insurance providers, which can then be purchased either online or by phone.
To get the cheapest prices for the best cover you can consider choosing a lower-performance motorbike, limiting the amount of riders to the policy and keeping your motorbikes locked in a secure garage rather than park on your driveway or on the road.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could achieve is dependent on your individual circumstances
The information contained within this page is for editorial purposes only and not intended as financial advice.
Read moreI need specialist motorbike insurance, can you help?
If you need specialist motorbike insurance (if you’re a young rider or want to cover a modified bike, for instance) a motorbike insurance broker might be better placed to help you find a motorbike insurer that’s right for your needs. Special coverage includes: Classic motorbike insurance, Modified motorbike insurance and Young or convicted rider insurance.
Using an online comparison tool like this one can help you find a great deal from over 25+ UK motorbike insurance providers.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could achieve is dependent on your individual circumstances
The information contained within this page is for editorial purposes only and not intended as financial advice.
Read moreWhat details do I need to get a motorbike insurance quote?
You will need to know either the motorbike’s registration number, or make and model. You do not have to currently own the vehicle, so it is possible to generate quotes for a motorbike you are intending to purchase. You will need to provide details about your motoring history, such as how long you have been driving and details of any previous motoring accidents, speeding fines or convictions. To utilise a no-claims bonus you will likely be required to submit proof of this after accepting a quote – your current motorbike insurer should be able to provide this on request. Along with standard personal information, including details about your profession, you will be asked what the motorbike will be used for and the estimated annual mileage. Other relevant questions may also be asked.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could achieve is dependent on your individual circumstances
The information contained within this page is for editorial purposes only and not intended as financial advice.
Should I pay my motorbike insurance monthly or annually?
It is important to note that all motorbike insurance policies are annual, however you are often given the choice to pay monthly. If you pay monthly and make a claim before the annual period is up, you will be required to make the remaining payments (or these will be deducted from any monetary claim). Your motorbike insurance premium will be cheaper if you pay annually. Monthly motorbike insurance is more expensive because it includes interest, which can be as much as 20% APR (or more!). You will undergo a full credit check if you choose to pay monthly for your motorbike insurance.
Read more