This insurance is a financial safety net that helps cover the costs of certain damage and injuries you may be liable for if you have a motorbike accident. More importantly still, it is a legal requirement if you are driving any type of bike on UK roads, whether you’re on a scooter, moped, or quad.
The coverage on a motorbike policy will vary depending on the type you choose. Options include:
Third-party bike insurance is the minimum legal requirement for riding a motorbike on UK roads and covers:
Third-party, fire & theft offers third party cover with added protection for your bike against fire damage and theft:
As the name suggests, comprehensive insurance offers you comprehensive coverage for your motorbike. It covers the following:
Exclusions vary across insurers so it is recommended that you check the provider’s coverage details before you buy. Some common exclusions on standard motorbike policies include:
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.
Motorbike insurance costs can vary dramatically between riders. The exact cost of your quote will depend on different things such as:
The cost of your motorbike cover will vary between insurers so it’s important to compare policies. Doing a 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.
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.
We search up to 25 motorbike insurance providers to save you time and money
Compare Motorbike Insurance
We search up to 25 motorbike insurance providers to save you time and money
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.
The way you use your motorbike plays a key part in determining your premiums. There are four uses listed by insurers:
For social, domestic and pleasure use (SD&P). This class includes things like riding to the shops, visiting friends and family, and leisure.
Using your bike for social activities as well as commuting to and from a single place of work. If you regularly commute to multiple places of work then you will need to insure your bike for 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 and domestic use.
This will cover you for using your motorbike or scooter for delivery of low value goods such as food, drinks and small parcels.
Quotezone helps you search for cheap protection, letting you quickly compare multiple quotes. Simply enter some basic details about your bike, yourself, and the level of cover you need, and start shopping for a motorbike insurance quote.
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.
Our comparison service lets you start comparing quotes in minutes. No waiting on the phone or completing long forms.
Over 4 million people in the UK use Quotezone every year when searching for insurance. Join them today and see if you can save money on your renewal!
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