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COMPREHENSIVE

Click the quote button to get a fully comprehensive motorbike insurance quote, also known as fully comp.

3RD PARTY, FIRE & THEFT

If you only need 3rd Party, Fire and Theft cover, click the quote button to compare bike insurance providers.

3RD PARTY ONLY

Looking for just 3rd Party cover, no problem, click the quote button below to compare and save on bike insurance

TEMP BIKE INSURANCE

If you're only looking for temporary cover from 1-28 days, find short term motorcycle insurance quickly here.

Motorbike Insurance

At first glance, motorbike insurance can seem a very complicated subject. This guide is here to help you understand motorbike insurance so you are well-informed when you choose your next policy.

So whether you have had a motorbike for years or have just bought your first motorbike, read on to find out the answers to questions such as:

  • How does motorbike insurance work?
  • Is motorbike insurance compulsory?
  • What motorbike insurance should I get?
  • How much does motorbike insurance cost?
  • How can I make motorbike insurance cheaper?
  • How can I cancel, claim or renew my motorbike insurance?

You can also use the insurance comparison tool to get tailored motorbike insurance quotes for you and your bike.


How does motorbike insurance work?

Let’s answer the basic questions first: what is motorbike insurance and how does motorbike insurance work?

Motorbike insurance covers you for the cost of any riding-related damage or injury. For example, if you crash your motorbike into a car, motorbike insurance will pay for the cost of the repairs to the car and any medical expenses required by the people in the car as a result of the crash. Depending on the type of cover you have, repairs to your bike and your medical expenses may also be covered.

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What type of cover should I get?

When you are looking at motorbike insurance and how it works, the first thing to do is understand the three types of cover you can get: comprehensive, third party fire and theft and third party only motorbike insurance.


Comprehensive motorbike insurance

Comprehensive motorbike insurance is the most expensive type of motorbike insurance, but, as its name suggests, it also gives you the most cover.

Comprehensive motorbike insurance covers you if you have accident or incident on your motorbike that is your fault. It covers:

  • repairs to your bike
  • repairs to any other vehicles involved
  • any medical expense of any other people involved.

Comprehensive motorbike insurance also covers you:

  • if your bike is damaged in a fire
  • if your bike is stolen
  • if you were the innocent party in any incident or accident involving you and your bike (i.e. the accident or incident wasn’t your fault).

Some comprehensive motorbike insurance policies also give you third party cover when you ride someone else’s motorbike with their permission. Others do not. If you think you might drive someone else’s motorbike at any point, you will need to check with your insurer whether your policy includes third party cover when you ride someone else’s bike.


Third party fire and theft motorbike insurance 

Third party fire and theft motorbike insurance gives you the following cover:

  • It will cover the cost of repairs to any other vehicles that were involved in any accident or incident involving you and your bike.
  • It will cover the costs of any medical expenses for any other people involved in any accident or incident involving you and your bike.
  • It will cover the cost of repair or replacement of your motorbike if it is damaged in a fire.
  • It will cover the cost of replacement of your motorbike if it is stolen.

There are two crucial differences between third party fire and theft motorbike insurance and comprehensive motorbike insurance. Third party fire and theft cover does not pay for any repairs to your motorbike if any accident or incident is your fault. It does not cover your medical expenses either. In other words, you will need to pay for any repairs to your bike or any medical expenses you need yourself.


Third party only motorbike insurance

Third party only motorbike insurance is the minimum level of cover you can get. It is also the cheapest.

Third party only motorbike insurance covers the costs of damage and medical expenses of other vehicles and people in any accident or incident caused by you and your bike. You and your bike are not covered and you will have to pay for any expenses that you have. Your bike is not covered if it is in a fire or stolen either, so you will have to pay for repair and replacement in these situations too.

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Are there any circumstances when my motorbike insurance will not cover me?

Yes. No matter what level of cover you choose, there are some things that your motorbike insurance will not cover you for. Policies differ, but as a general rule these include:

  • if you have deliberately put you and your bike in danger or have ridden dangerously
  • if any injuries you have are self-inflicted (i.e. you caused them yourself)
  • if any injuries occur while you are under the influence of drugs or alcohol
  • if any injuries occur while you are committing or trying to commit a crime.

Are there any other things I need to know about the motorbike insurance basics?

Yes. Your insurance company will also want to know about how you use your motorbike. There are two options: social, domestic and pleasure use and social, domestic, pleasure and commuting use.

Social, domestic and pleasure use motorbike insurance

Social, domestic and pleasure use motorbike insurance covers you if you use your bike for leisure purposes. This includes journeys such as going shopping, visiting family and friends or simply going for a ride.

It does not cover you if you use your motorbike for travelling to and from work.

Social, domestic, pleasure and commuting use motorbike insurance

Social, domestic, pleasure and commuting motorbike insurance covers you for leisure purposes. It also covers you if you use your motorbike to get to and from work.

Different insurers define commuting in different ways. For example, some insurers will say you commute if you work part-time, others will not define this as commuting. It is always best to check your insurer’s definition of commuting to make sure you have got the right type of motorbike insurance cover.

Other motorbike insurance options

If you take passengers on your motorbike, you will need pillion cover. Some motorbike insurance policies will include pillion cover automatically. Others will have it as an optional extra. If you ever take passengers on your motorbike, this is something you will need to check.

To get motorbike insurance quotes for you and your bike, use the motorbike insurance comparison tool.


Is motorbike insurance compulsory?

The one question many people have is whether motorbike insurance is compulsory. The answer is simple: if you intend to ride your motorbike, yes. The only time that motorbike insurance is not compulsory is if you intend to keep your bike off the road and do not intend to ride it. If this is the case, you will need to have a Statutory Off Road Notification (SORN) from the Driver and Vehicle Licensing Agency.

So if you have ever wondered why bike insurance is important, it is because it is the law.

There are serious penalties if you do not have motorbike insurance. You may receive any of the following:

  • a maximum fine of £1,000
  • at least six points on your licence
  • an IN10 endorsement on your licence
  • disqualification from riding
  • your motorbike could be seized and destroyed by the police.

You are also likely to find it more difficult and more expensive to get motorbike insurance in the future


What happens if I forget to renew my motorbike insurance by mistake?

Your insurer will normally contact you around a month before your motorbike insurance expires. This is the point when you can decide to renew your policy with them or shop around for a better deal. Our advice is always to shop around to see if you can get a better deal on your motorbike insurance – the motorbike insurance comparison tool on our website makes this easy.

Some motorbike insurance policies have an auto-renew clause. This means that, unless you tell them otherwise, your insurer will automatically renew your motorbike insurance when it expires. This gives you peace of mind that you will always be covered even if you forget to renew it. However, we always recommend shopping around every time your motorbike insurance comes up for renewal – use the motorbike insurance comparison tool to make this easy.

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What motorbike insurance should I get?

Many people want to know which motorbike insurance is best. The answer is it depends. The motorbike insurance that is best for you may be different from the motorbike insurance that is best for the next driver.

For many riders, the decision will be a simple one between comprehensive motorbike insurance, third party fire and theft motorbike insurance and third party only motorbike insurance. For other riders, a more specialist motorbike insurance will be best.

Read on to find out a bit more about some of the different types of motorbike insurance you can get.

Modified motorbike insurance

Lots of riders make modifications to their bikes. These might include a new paint job or a different exhaust to the standard one. If you make any modifications to your motorbike, it is likely to make it more expensive to insure. The important thing to remember is that if you make a modification to your motorbike, no matter how small that modification is, you need to tell your insurer. If you do not, you may be invalidating your motorbike insurance and might not be covered in the event of an accident or incident.

If you have got a modified motorbike, it is worth considering modified motorbike insurance from a specialist modified motorbike insurer.

Take the first step in finding great motorbike insurance for you by using the motorbike insurance comparison tool.

Short term motorbike insurance, laid up motorbike insurance and pay-as-you-go motorbike insurance

Do you only ride your bike in the summer when the weather is fine? Do you put your motorbike in store in the winter? If you don’t ride all year round, there are several options open to you.

Short term motorbike insurance cover means you only pay for cover for the months you ride, not for the months you don’t.

Laid up motorbike insurance covers your bike for fire and theft all year round and provides comprehensive cover for the months you ride in.

Pay as you go motorbike insurance covers you only for the days you ride.

One important thing to note with policies like these is that for the times when your bike is not insured you will need to have a SORN (Statutory Off Road Notification) from the DVLA for your bike.

Take the first step in finding the great motorbike insurance for you by using the motorbike insurance comparison tool.

Multi-bike motorbike insurance

If you have more than one bike, it can be cheaper to get one multi-bike motorbike insurance policy. This covers all your motorbikes in one policy rather than having separate policies for each of them.

Take the first step in finding the great motorbike insurance for you by using the motorbike insurance comparison tool.


How much does motorbike insurance cost?

When you are looking at how much motorbike insurance costs, it can help to know how it is calculated. Read on to find out about the factors that affect your motorbike insurance. Then, in the next section, get our top tips for making motorbike insurance cheaper.

Factors that affect the cost of your motorbike insurance
  • Your age – generally speaking, the younger you are, the more expensive your motorbike insurance will be.
  • Where you live – generally speaking, city dwellers will pay more than rural dwellers.
  • Where you keep your bike – generally speaking, you’ll pay more if you keep your bike on the road than if you keep it in a garage.
  • How you use your motorbike – generally speaking, if you use your bike to commute, you’ll pay more.
  • How much mileage you do – generally speaking, the more miles you do, the more you’ll pay.
  • The type of motorbike you have – generally speaking, the more expensive the bike, the more expensive the motorbike insurance.

One other big factor in the cost of your motorbike insurance is the type of excess you have.

Compulsory excess is the amount of money you must pay towards any damage if you make a claim. If the incident or accident you are claiming for is not your fault, your insurer may waive the fee.

Voluntary excess is the amount you would be willing to pay if you were to make a claim. You do not have to have a voluntary excess on your policy, but it is worth bearing in mind that the higher the voluntary excess you agree to pay, the cheaper your motorbike insurance is likely to be.

Get motorbike insurance quotes using the motorbike insurance comparison tool.


How can I make motorbike insurance cheaper?

Everyone likes a bargain and how to make motorbike insurance cheaper is a very common question. Here are our top tips for reducing the cost of your motorbike insurance and making your motorbike insurance cheaper.

Shop around for motorbike insurance

This is one of the best ways to get cheaper motorbike insurance. This motorbike insurance comparison tool does the hard work for you so you can compare motorbike insurance quotes at a glance. Use the motorbike insurance comparison tool now.

Get the best security for your motorbike

Keeping your motorbike in a garage is the best option when it comes to getting cheap motorbike insurance. But if that isn’t an option, look at the locks and other security measures you could put in place. The better the security, the cheaper the motorbike insurance.

Take an approved advanced motorbike training course

Better trained riders are safer riders who are less likely to have to make a claim on their motorbike insurance. Because of this, insurers reduce the cost of motorbike insurance accordingly. If you want cheaper motorbike insurance, it’s worth considering taking an approved advanced training course.

Make sure all your details are right on your motorbike insurance

If you never take passengers on your motorbike, make sure your insurer knows this. Similarly, if you never ride someone else’s bike, tell your insurer. Little things like this can make a difference when it comes to cheaper motorbike insurance.

Increase the voluntary excess on your motorbike insurance

The more voluntary excess you are willing to pay, the cheaper the motorbike insurance you are likely to be able to get.

Start to get the cheapest motorbike insurance for your bike – use the motorbike insurance comparison tool now.

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How can I cancel, claim or renew my motorbike insurance?

Once you’ve got your motorbike insurance sorted, the next questions you’re likely to ask yourself are

  • how do I claim on my motorbike insurance?
  • how do I cancel my motorbike insurance?
  • how do I renew my motorbike insurance?

If there’s anything you’d like to check on your motorbike insurance this is the section for you.


How do I claim on my motorbike insurance?

If you are involved in an accident or incident involving your motorbike, you will probably want to make a claim on your motorbike insurance. Here are the important things to know when it comes to making a claim on your motorbike insurance.

If you would like to make a claim on your motorbike insurance because you have been involved in an incident or accident or because your motorbike has been damaged or stolen, you need to contact your insurer.

If the incident is covered by your policy and it was your fault, your insurance company will pay out.

If the incident was not your fault, your insurance company will make a claim from the person to blame’s insurance company.

If the incident was your fault, other people involved in the incident who were not to blame can make a claim on your motorbike insurance.

  • you will be replacing it with a new motorbike insurance policy
  • or

  • you have sold your motorbike so no longer need a motorbike insurance policy
  • or

  • you do not plan to ride your motorbike and have got a Statutory Off Road Notification (SORN) from the Driver and Vehicle Licensing Agency.

How do I renew my motorbike insurance?

Many motorbike insurers will automatically renew your motor insurance when it is due for renewal. This gives you peace of mind you are covered and are obeying the law – remember that motorbike insurance is compulsory. On the other hand, with an automatic renewal, you won’t know whether you are getting the best deal on your motorbike insurance.

Your motorbike insurer will contact you when your motorbike insurance is due for renewal. When you get this notification, use the motorbike insurance comparison tool and you could get cheap motorbike insurance for you and your bike.


Motorbike insurance – the next steps

Now you have got the lowdown on motorbike insurance, it’s time to get the policy that’s right for you. The motorbike insurance comparison tool on this website lets you compare a range of motorbike insurance poliies on the market that you are eligible for. Compare motorbike insurance policies now.