Bike Insurance
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- You could pay less than £239*
- Compare 25+ providers
- Get quotes in under 5 minutes
- Find competitive rates online
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in February 2024 were quoted less than £238.63. The price you could achieve is dependent on your individual circumstances.
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Click HereWhat is bike Insurance?
Simply put, motorbike insurance is just like car insurance, but for bikes. If you or someone else is injured in an accident, or your bike’s stolen or damaged, the right level of insurance will cover the associated costs and help you get back on the road.
How much does bike insurance cost?
Bike insurance prices are based on the level of risk involved with insuring a driver, as determined by each motorbike insurance provider. So, the best way to find out how much it will cost you is to use a comparison service, like the one found on this site.
Whilst some places do provide average figures for the cost of car insurance, we don’t believe it’s useful because everybody is unique. There are so many factors to take into account when calculating the price of an individual’s motorbike insurance policy. Instead, why not remove the guess work and compare bike insurance today?
How can I get cheaper motorbike insurance?
There are a few ways to legitimately cut the cost of your bike insurance.
- Compare quotes for all levels of cover – remember, comprehensive insurance is often the cheapest, so you could pay less for more cover.
- Be accurate about your mileage – You should never lie about your annual mileage, but if you put in a mileage that’s too high you’ll pay more than you should. Use our mileage calculator to help you get it right.
- Build a no-claims discount – The more years you’ve been driving without incident, the higher your no-claims discount. But you’ll need to be the main driver to earn a discount on most policies.
- Add an experienced driver as a named driver – If a parent or friend with a good driving history sometimes drives your motorbike, adding them as a named driver might bring down the cost of your policy. But don’t lie and say they’re the main driver, as that’s a type of fraud known as ‘fronting’.
What affects the cost of motorbike insurance?
Insurance providers take lots of different factors into account when calculating your bike insurance premiums:
- Your age
- Your occupation
- Your address
- How long you’ve been driving
- Your driving history – including accidents and driving offenses
- Your no-claims discount
- All of the above for any other named drivers you add to your policy
- The amount of voluntary excess you choose
- The make and model of your bike
- Where do you park your car overnight
- Your annual mileage
Insurers use all of this information to statistically assess your level of risk and calculate your premium accordingly.
It’s really important to compare quotes before you buy bike insurance because each insurer will calculate this risk and price its premiums slightly differently – that’s why you get lots of different quotes at different prices.
It’s cheaper to pay for your insurance annually in a lump sum at the start.
What details do I need to obtain a quote?
Bike Information
Either your bike registration or the make
and model of your car if you do not know it.
Personal Details
Including your name, contact details,
address & occupation.
Driving History
How long you have been driving, details of
any convictions, length of any no-claims bonus.
Bike Usage
What the car will be used for, e.g. social,
commuting
or business and your estimated annual mileage.
What type of motorbike insurance do I need?
The best motorbike insurance for you is an affordable policy that covers what you need – don’t just pick the cheapest option.
You’ll need third party cover as a minimum. It’s compulsory, and you can’t legally drive without it. But exactly what you’re covered for depends on the type of policy you choose.
There are three main types of car insurance available: Fully comprehensive, third party, fire and theft, and third party.
It’s worth comparing all your motorbike insurance options to find the deal that’s right for you.
Fully comprehensive – often referred to as ‘fully comp’, this gives you the highest level of protection.
Third party, fire and theft – this gives you everything you’d expect from a standard third party policy, but also protects you if your motorbike is stolen, or damaged by fire. Fire damage includes deliberate acts, such as arson, as well as accidental fires.
Third party – every driver is legally required to have at least third party car insurance. This covers you if you damage someone else’s vehicle or injure another person. But it won’t cover any injuries to you, or damage to your own motorbike.
Those are the basics. Now, let’s look in more detail at how these different types of motorbike insurance work.
Fully Comprehensive
Fully comprehensive motorbike insurance gives you the highest level of cover. If you’re looking for peace of mind or have a new or expensive car, this could be the right policy for you.
Fully Comprehensice insurance typically covers:
- Damage to someone else’s vehicle or property
- Injury you cause to others
- Injury to your pillion passenger in an accident
- Fire damage*
- Theft (and possibly damage caused by attempted theft)*
- Chipping/scratching*
- Malicious damage and vandalism*
- Accidental damage to your motorbike*.
*After you pay your excess
Watch out: Comprehensive motorbike insurance doesn’t necessarily mean everything. Your policy may or may not include features like a courtesy motorbike, and cover for personal belongings. However, you should be able to add these as extras.
Your policy may not cover personal injury if the accident is your fault, so always check the small print when you get a quote. If your policy doesn’t cover certain situations as standard, you can typically pay to add them as extras.
Third-Party Fire & Theft
Third party fire and theft insurance offers everything you’d get with a third party motorbike insurance policy, but with added protection against fire and theft.
This is useful if you want more than the bare minimum of cover, or live in an area with high crime rates. It’s worth noting though, that some policies won’t cover damage caused by attempted theft, so check your policy carefully.
Third-Party, Fire and Theft insurance typically covers:
- Damage to someone else’s vehicle or property
- Injury you cause to others
- Injury to your pillion passenger in an accident
- Fire damage*
- Theft (and possibly damage caused by attempted theft)*
*After you pay your excess
Third party, fire and theft insurance won’t cover:
- You
- Your motorbike (except for fire damage and theft)
Watch out: Bear in mind that you won’t be covered for accidental damage.
