You could save on your cover by comparing quotes for our best motorcycle insurance, UK wide.
Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.
Motorbike insurance provides financial protection if your bike is involved in an accident, suffers damage or is stolen. It’s also a legal requirement. Riding a motorcycle in the UK without insurance is a criminal offence.
The only time you don’t need motorbike insurance is if you’ve declared that your bike is off the road to the DVLA.
You need to decide what level of cover you need. The more cover you have, the more protection you have, but providers charge more money for more cover.
The best motorbike insurance for you is the policy that gives you the cover you need at the cheapest price.
You can choose from three types of motorcycle or moped insurance cover:
Third party only covers injury to others and damage to their property.
Third party, fire and theft covers injury to others and damage to their property. It also covers theft of your bike and fire damage to your bike.
Fully comprehensive covers all of the above, plus damage to your bike through accident or vandalism.
Once you’ve decided which is the best type of motorcycle insurance for you, fill out our form to compare bike insurance. This will help you to find the right policy at the best price.
When you’re looking for a quote, think about what you need from your policy. With even the best motorbike insurance, providers sell additional cover as extras. For instance, you might want cover for:
Trips abroad: most insurance companies include cover for riding your bike abroad, but the length of time you’re covered can vary
Helmets and clothing: most motorbike policies include the option to add cover for accessories, but you might have to pay extra. Look for a policy where cover comes as standard and check the limit is enough to replace your helmet and leathers
UK breakdown: this gives you roadside assistance if your bike breaks down while on the road. Some insurers charge extra for this, so look for policies that include it as standard
Pillion passengers: some insurers let you take a passenger, but others sell this as an add-on. Check whether it’s included as standard
Before comparing quotes, consider whether you need a specialist motorbike insurance policy. This kind of cover can cost more, depending on what it offers. Some of the specialist types of bike insurance include:
Scooter or moped insurance: if you’re under 25 and it’s your first bike, cheap moped insurance can be hard to find
Sports bike insurance: this can be expensive because it’s for high-performance bikes
Supermoto insurance: a lightweight model with a smaller engine is cheaper to insure
Classic motorcycle insurance: classic bikes can be worth a lot, but they’re usually well looked after and not used much, so insuring them isn’t too expensive
Multi-bike insurance: if you have several bikes, this can be a cost-effective way to insure them
Don’t simply focus on getting cheap bike insurance – you need to make sure it gives you enough cover, too.
There are, however, a few things you can do to save money on your insurance, such as:
Pay up front in full: because insurers charge interest for monthly payments
Choose to pay a higher excess: this reduces your monthly payments, but make sure you can afford the excess if you have to claim. Also, paying a higher excess could cost you more overall if you do need to claim
Leave out extras: don’t pay more for add-ons you don’t need
Secure your vehicle: tell your insurer if you keep your motorbike in a garage and about any anti-theft devices you have
Shop around: compare motorcycle insurance to get the best quote that meets your needs
Don’t auto-renew: check the quote your current insurer offers, because it might not be the best deal
Comparing bike insurance deals is the best way to get a good quote – it’s quick and easy. Just click on “Get quotes” at the top of this page and you’ll have a range of quotes within minutes.
Check the details and make sure you’re getting the right cover for your needs. You don’t want to end up under-insured, but you don’t want over-insure yourself, either. The key is to pay the minimum price for what you need.
The price varies greatly between companies and also depends on a number of variables. These include:
the type of motorbike
how old you are
your driving history
how the bike’s used
security measures
where you park
the excess
Some insurers offer policies that allow you to ride other bikes. These are often known as ride-any-bike policies and usually just offer third-party cover on bikes which aren’t yours. So, if you damage a bike that you’ve borrowed from a friend, you will have to pay to have it repaired.
You need to tell us a little about yourself, your bike and your driving history. This includes any claims you’ve made or accidents you’ve had. We’ll help you find the best motorcycle insurance for your needs in minutes.
Compare motorbike insurance quotes to find a deal that works for you.
See more guides
Insurance is essential if you ride a motorcycle, but finding the right policy depends on the type of bike you ride and how you use it. Here is how to find the right motorbike insurance.
Read MoreThe right motorbike insurance can cover the cost of repairing or replacing your bike if it is damaged or stolen, while riding without it is against the law. Here is what you need to know.
Read MoreBy comparing motorbike insurance you could save money on the policy. The best value motorbike insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.
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Last updated: 26 May, 2022