Motorbike Insurance
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Motorbike Insurance Guide
Motorbike insurance is a legal requirement for all motorbike riders in the UK. It provides financial protection in the event of an accident, covering the cost of damage to your motorbike and the property of others, as well as any medical expenses and legal costs.
There are a number of factors that affect the cost of motorbike insurance, including:
- The type of motorbike you ride
- Your age and driving experience
- Your postcode
- Your claims history
- Any modifications you have made to your motorbike
Types of motorbike insurance
There are two main types of motorbike insurance:
- Third party only: This covers the cost of damage to the property of others and any medical expenses or legal costs arising from an accident.
- Comprehensive: This covers the cost of damage to your motorbike, as well as the property of others and any medical expenses or legal costs arising from an accident.
You can also purchase a number of optional extras, such as:
- Legal expenses cover: This covers the cost of legal fees if you are involved in an accident.
- Personal accident cover: This pays out a lump sum if you are injured or killed in an accident.
- Breakdown cover: This provides assistance if your motorbike breaks down.
How to compare motorbike insurance quotes
The best way to find the cheapest motorbike insurance is to compare quotes from different providers. You can do this online, over the phone, or through a broker.
When comparing quotes, it is important to compare the level of cover provided, as well as the price. You should also check for any discounts that you may be eligible for, such as discounts for having a good driving record or for bundling your motorbike insurance with other types of insurance, such as home insurance.
What to look for in a motorbike insurance policy
When choosing a motorbike insurance policy, it is important to consider the following:
- The level of cover provided: Make sure that the policy you choose provides the level of cover you need. If you use your motorbike for work, you may need more comprehensive cover than if you only use it for pleasure.
- The price: Compare quotes from different providers to find the cheapest motorbike insurance.
- The customer service: Choose a company with a good reputation for customer service. You want to be able to rely on your insurer to help you quickly and efficiently if you need to make a claim.
Tips for getting the cheapest motorbike insurance
Here are a few tips for getting the cheapest motorbike insurance:
- Shop around and compare quotes from different providers.
- Consider increasing your voluntary excess. A voluntary excess is the amount of money that you agree to pay towards the cost of a claim. Increasing your voluntary excess can help to reduce your premium.
- Bundle your motorbike insurance with other types of insurance, such as home insurance or car insurance. Many insurance companies offer discounts for bundling multiple policies.
- Look for discounts. Many insurance companies offer discounts for things like having a good driving record or installing security features on your motorbike.
Buying motorbike insurance can be a daunting task, but it is important to get the right cover for your needs. By following the tips above, you can find the cheapest motorbike insurance without sacrificing on cover.
FAQs For Motorbike Insurance
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What is the difference between third party only and comprehensive motorbike insurance?
Third party only motorbike insurance covers you for the cost of damage you cause to other people’s property and vehicles, but not for your own bike.
Comprehensive motorbike insurance covers you for the cost of damage to your own bike, as well as damage you cause to others.
Comprehensive motorbike insurance is usually more expensive than third party only, but it offers more protection. -
What factors affect the cost of motorbike insurance?
The cost of motorbike insurance is affected by a number of factors, including:
The type of bike you ride: Some bikes are more expensive to insure than others. For example, sports bikes are typically more expensive to insure than cruisers.
Your age and driving experience: Younger riders with less driving experience typically pay more for motorbike insurance.
Your postcode: Insurance companies use postcodes to assess the risk of insuring vehicles in certain areas. If you live in an area with a high crime rate, you may pay more for motorbike insurance.
Your claims history: If you have made a claim in the past, you may pay more for motorbike insurance.
Any modifications you have made to your motorbike: If you have made any modifications to your motorbike, such as fitting a performance exhaust or engine tuning, you may pay more for motorbike insurance. -
How can I get the cheapest motorbike insurance?
There are a number of ways to get the cheapest motorbike insurance, including:
Shop around and compare quotes from different providers.
Consider increasing your voluntary excess. A voluntary excess is the amount of money that you agree to pay towards the cost of a claim. Increasing your voluntary excess can help to reduce your premium.
Bundle your motorbike insurance with other types of insurance, such as home insurance or car insurance. Many insurance companies offer discounts for bundling multiple policies.
Look for discounts. Many insurance companies offer discounts for things like having a good driving record or installing security features on your motorbike.
You can also get cheaper motorbike insurance by taking a motorbike safety course or by joining a motorbike club.
Other types of car insurance…
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*51% of consumers who received a quote for their Motorbike Insurance through this service provided by Seopa Ltd in February 2024 were quoted less than £238.63. The price you could achieve is dependent on your individual circumstances