Motorbike Insurance

Name: Motorbike Insurance
Brand: Quotezone
Rating: 4.9 (25 reviews)

Cheap Bike Insurance

Compare 25+ providers
Access Cashback & Rewards
97% of reviewers recommend us

Search and compare cheap quotes from over 25 UK motorbike insurance providers, including

Why choose Quotezone to compare motorbike insurance?

Getting cheap motorbike insurance doesn’t need to be complicated or time-consuming. By comparing motorbike insurance quotes with Quotezone you can save time and money on your insurance. Whether you need to insure a high-performance bike or a less powerful 125cc or 50cc moped insurance, we let you compare quotes from over 25 UK-based motorbike insurance providers and receive cheap quotes fast.

What is motorbike insurance?

Motorbike insurance is an agreement between you and an insurer – when you pay a premium to the insurer they will cover the costs of certain damage and injuries you may be liable for if you have a motorbike accident. Motorbike insurance will vary in what it covers you for depending on your chosen level of cover. Insurers will also have exclusions on what’s covered by their motorbike insurance policies so be sure to also check your policy details.

Third-party Only (TPO)

Third-party motorbike insurance is the minimum legal requirement for riding a motorbike on UK roads and covers:

Damage or injury to third-parties due to an at-fault accident

Third-party, fire & theft (TPFT)

Third-party, fire & theft offers your motorbike third party cover with added protection against fire damage and theft:

Damage or injury to third-parties due to and at-fault accident
Fire damage cover
Theft cover

Comprehensive

As the name suggests, comprehensive insurance offers you comprehensive cover for your motorbike. It covers the following:

Damage or injury to third-parties due to and at-fault accident
Fire damage cover
Theft cover
Cover for your own motorbike due to an at fault accident.

What’s excluded from motorbike insurance?

Motorbike insurance exclusions can vary across insurers so it is recommended that you check the providers T&Cs to confirm. Some common exclusions include:

Wear and tear – Wear and tear due to standard use and aging will not be covered by standard motorbike insurance.
Sidecar cover – Sidecars are classed as an accessary and so will likely require extra cover.
Modifications – Depending on the modification, insurers may not cover you for modified parts. If you’re modification is illegal or you fail to declare that your motorbike has been modified, your insurance will likely be made void.
Riding under the influence – Riding your motorbike under the influence of drugs or alcohol will not be covered by insurers. You may also face a fine up to £2500 and possible loss of licence.
Racing – Racing and other risky activities will not be covered by standard motorbike insurance. Specialist motorbike insurance may be available for insuring you for motorbike racing.
Illegal use – Using your motorbike to carry out illegal activities will not be covered.
Wilful damage – Deliberately damaging your motorbike will not be covered by insurers.

How much is motorbike insurance?

Motorbike insurance costs can vary dramatically between riders with the average motorbike insurance policy falling between £380 to £850 per year. The exact cost of your motorbike insurance quote will depend of different things such as:

Engine size – as a general rule, the more powerful your motorbike’s engine the more expensive your cover.
Your age – younger riders are viewed as a higher risk by insurers and this can mean higher premiums.
Annual mileage – the more miles you’re likely to clock up over the year, the more expensive your premium.
Your job – if you work a job that requires you to travel to and from work at unsociable hours. such as very early or late, then this will impact your risk to insurers and also your premiums.
Your level of cover – Comprehensive motorbike insurance is not always the most expensive option – in fact it can sometime be cheaper than third-party coverage.

How to get cheap motorbike insurance

The cost of your motorbike insurance will vary between insurers so it’s important to compare motorbike insurance policies. Doing a motorbike insurance comparison is the easiest way of finding cheap motorcycle insurance. There are also some long-term changes you can make to help reduce the price of your future premiums.

Improve security

Installing a Thatcham-approved alarm to your motorbike along with securely parking it overnight, such as locking and storing in an enclosed garage, can all help reduce your premiums.

No-claims discount

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

Avoid modifications

Modifications can increase the value of your motorbike and also make them more costly to repair and replace. This will lead to more expensive motorbike premiums. Some modifications such as suspension upgrades may void your insurance so be sure to check with your insurer first.

Choose your bike carefully

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

Pay annually

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

Motorbike insurance upgrades & extras

Breakdown cover – 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.
Pillion cover – 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.
Replacement Keys – In case vehicle keys are lost or stolen, this will cover the cost of getting a replacement set.
Personal effects cover – Helmet and leathers cover can insure you for your expensive bike gear and keep items such as, boots, jackets, helmets and gloves covered should they be damaged in an accident. Many policies will offer coverage for up to £1500.
Legal expenses cover – If you incur legal costs as the result of an accident, such as pursuing loss of income or travel expenses from the at-fault party, legal expense cover can insure you from these costs.
Replacement Keys – In case vehicle keys are lost or stolen, this will cover the cost of getting a replacement.
Protected no claims discount – If you’ve built up a no claims discount over the years you’ll want to protect it. By paying for extra cover to protect your no claims discount you can ensure that your hard earned discount won’t be impacted if you need to make a claim.
European travel cover – Some comprehensive policies may only offer third party cover for riding your motorbike in Europe. If you want to have the same level of coverage in Europe that you have in the UK, you’ll need to add European travel cover.

Classes of motorbike use

The way you use your motorbike plays a key part in determining your motorbike insurance premiums. There are four uses listed by insurers: social, social commuting, business use, delivery.

Social use only

If you only use your motorbike for social, domestic and pleasure (SD&P) and not to commute to work or make deliveries, then your class of use will be social only. This class includes things such as riding to the shops, visiting friends and family and leisure.

Social & commuting

This class is intended for motorists who use their bike for social activities as well as commuting to and from their place of work. If you regularly commute to multiple places of work then you will need to insure your bike for business use.

Business use

If you commute to multiple locations for work, either to meet clients or visit offices, then you will need business use cover. This will also cover you for social use.

Delivery use

This will cover you for using your motorbike for delivery of low value goods such as food, drinks and small parcels.

Why compare motorbike insurance with Quotezone?

Quotezone can help you find cheap motorbike insurance by allowing you to quickly compare multiple quotes. Simply tell us some info about your bike, yourself and the level of cover you need and start getting cheaper motorbike insurance quotes.

We’re impartial

We don’t play favourites – when you search with Quotezone it’s up to you which policy is best. We simply help you find them.

Compare quotes fast

Our comparison service lets you start comparing motorbike insurance quotes in minutes. No waiting on the phone or completing long forms.

We help

Over 3 million people in the UK have used Quotezone.co.uk when searching for insurance. Join them today and see if you could save money on your motorbike insurance renewal this year!

Compare Motorbike Insurance