Motorbike insurance is required by law and ensures people can cover the costs of any riding-related damages or injuries should they happen, this is regardless if you only use your bike during the summer months, you must keep it insured all year round – even if it’s kept off the road and in a garage. The one exception to this is if you notify the DVLA that is being kept off the road through a Statutory Off Road Notice (SORN). Unless you are not using your bike and have also submitted a SORN, your bike must be insured properly.
GarageGarage has one of the biggest impacts on your insurance!
Cover TypeThink carefully what cover you really need!
SecurityAny security feature must be declared if you want cheaper quote!
When you quote or buy you will get:
24/7 Access to your quotes
Any where – Any Device – Any time
Top UK Brokers quoting live Prices
We use most trusted UK Brokers!
Crazy savings on all the products
We compare millions of quotes so you can save!
Fair and Free Service
We will not charge you a penny! Guaranteed!
Trust you deserve
We have secured over 3,000,000 quotes!
Flexible Quote System
Customise your quote in seconds! Buy on-line or over the phone!
Lots of Upgrades to choose from!
Breakdown Cover, Legal Expenses to Lost Keys etc.
Security & Privacy
We will protect your details so no one will call you unless you agree.
Compare Your Insurance Quotes in 4 simple steps!
Choose your product
Choose from over 160 products
Fill in your details
It only takes
Get Brokers to Work
Most trusted UK Brokers ready to help!
Buy On-Line or over the phone
That’s how easy it is!
Very straightforward – reasonably good quote
Saved over 200 quid
Finally easy to use website – cheap price!
Motorbike Insurance at a glance.
Completing your application
You’re responsible for answering any questions relating to your application honestly. If the information is found to be incorrect it could invalidate your insurance and your insurer may not pay out for any claims you make. Always make sure that the policy you’re applying for has the right level of cover and features that you require.
What will affect Motorbike Insurance?
While shopping for motorbike insurance, keep in mind the following factors that can influence what your premium may be:
- Motorbike type
- Riding history
- Age of rider
It’s common for many motorbikes to have some form of modifications added onto them. When shopping for insurance, it’s important that you make note of any modifications that are on your bike, and if you do plan on adding any modifications onto your bike during your policy term, make sure to contact your insurer about these changes as well. There are several types of modifications that can be added to your motorbike, such as:
- Physical modifications
- Practical modifications
- Performance modifications
- Safety-enhancing modifications
- Security modifications
Types of cover for your motorbike?
Third party only is the minimum level cover required by law in the UK. It covers:
- Liability for injury to others (including passengers)
- Damage to third party property
- Liability whilst towing a caravan or trailer
Third party, fire and theft covers everything that third party does, but also:
- Fire damage
- Theft of vehicle
- Damage to your car caused during theft
This typically allows you to make a claim for any damage that has been done to your motorbike (unless otherwise noted in your policy exclusions). This would include accidental damage to your motorbike, vandalism and medical expenses. But between these three levels of cover, which one is the best to go with? Third party only cover is typically going to be cheaper than the other two, as the insurance company won’t have to pay out as much, but for many that may not be the best option.
Simply put, an excess is what you contribute towards a claim. There are two types of excess payments: compulsory and voluntary. The compulsory excess is decided by the insurer and it’s the amount that you must pay if you make a claim on your policy. A voluntary excess is the amount that you choose to pay in addition to the compulsory excess when a claim is made. You can choose how much you pay for your voluntary excess. For example, if you choose to pay a higher voluntary excess, then your premium will be cheaper. However, if you choose to pay a lower voluntary excess, your premium will most likely be more expensive.
What type of bike can I ride?
Your motorbike license entitles you to ride certain types of motorbikes. Age and consideration will be taken into consideration as well as the strength and power of the bike.
There are a total of 4 categories of license:
- AM– this means you are qualified to ride a moped from the age of 16
- A1– qualifies you to ride a 125cc motorbike that has a power output of 11kW or lower and tricycles with a power output of 15kW or lower. Must be at least 17 years old.
- A2– this means you can ride a motorbike with a power output of 35kW or lower, and you must be at least 19 years old
- A– this qualifies you to ride unrestricted motorbikes that have a power output above 35kW. There is a minimum age of 24 under direct access, or 21 under progressive access. For tricycles, power output can be over 15kW, with minimum age of 21.
Please refer to the Government Website for a full list of restrictions.