Motorbike Insurance

Wear and tear due to standard use or lack of maintenance will not be covered by standard insurance.

Sidecars are classed as an accessory, so these and other attachments will likely require extra cover.

Some insurers won’t cover any modifications, while others will only exclude them if the modification is illegal. If you fail to declare modifications to your insurer you could risk invalidating the policy entirely.

Riding your motorbike under the influence of drugs or alcohol will not be covered by insurers. You may also face a fine of up to £2,500, loss of licence, or even prison time. 

Racing and other risky activities will not be covered by standard bike insurance. Specialist insurance may be available for insuring you for motorbike racing.

Using your motorbike to carry out illegal activities will not be covered.

Deliberately damaging your motorbike will not be covered by insurers.

This can be as simple as parking your motorbike in a more secure location overnight. You could also install approved alarms to your motorbike to help reduce your premiums.

Building up a no claims discount (NCD) over time can be a great way of reducing your premiums. Some insurers will also let you protect your no-claims discount for an additional cost.

Modifications can increase the value of your motorbike and also make it more costly to repair and replace. This will typically lead to more expensive premiums.

Opting for a smaller 50cc motorbike will typically be cheaper to insure than a more powerful 125cc motorbike.

By paying annually you can reduce your premiums by cutting out the interest charged on monthly premium payments.

Each provider will assess your risk of claiming differently. By comparing quotes across many providers you can help ensure you don’t overpay for motorbike insurance.

If your motorbike breaks down and you require emergency roadside assistance, breakdown cover will get you the help you need to fix or transport your bike from the roadside. Most breakdown insurance providers will also assist with transporting your bike to a repair shop.

If you plan on carrying passengers on your bike then you’ll need to be sure pillion cover is included in your policy. You must be a full motorbike or moped licence holder in order to qualify for pillion cover.

In case vehicle keys are lost or stolen, this will cover the cost of getting a replacement set.

Helmet and leathers cover can protect your expensive gear and keep boots, jackets, helmets and gloves covered should they be damaged in an accident. Many policies will offer coverage for up to £1,500.

This cover helps provide for legal costs you might face after an accident. These could include third-party claims for loss of income or travel expenses.

If you’ve built up a no claims discount over the years, you’ll want to protect it. This add-on can ensure your hard earned discount won’t be impacted if you need to make a claim.

Some policies may only offer third party cover for riding your motorbike in Europe. If you want to have more comprehensive cover while in Europe, you can add European driving cover.