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Struggling to understand motorbike insurance?
To get the right motorcycle insurance, declare how you keep and use your bike, decide on one of the three main options - comprehensive, third party fire and theft or third party only - then check the policy details match your needs. Our quotes process gives on-screen help at every stage, or you can read our guides for more informationMatt Oliver, Gocompare.com
How can we help you with motorbike insurance today?
Our service helps you compare prices and policy options from over 25 motorcycle insurance brands in one quick and easy search, with quotes available for all types of motorbikes, scooters and mopeds.
To obtain a quote, fill out our simple-to-use forms with your basic personal and contact details, information on your motorbike licence and how long you've held it for, and the postcode where you keep your ride overnight.
Be ready to input the number plate or, alternatively, the motorbike's make, year of manufacture and its engine size (or if it's electric).
Note that if you have a Q-plated vehicle or a quad bike we won't be able to offer you a quote online, but we will provide contact details of insurers who may be able to help.
You'll need to choose your level of cover - third party only, third party fire and theft or comprehensive - before inputting any years of no-claims bonus you've built up.
Select the number of riders (the proposer, with the option of up to four additional riders) and what your bike will be used for - social only; social plus commuting to a single place of work; business use (class one); courier use; fast-food delivery.
Did you know...?
- Cover for a pillion (passenger) is unlikely to be included on your policy unless it's been requested
- Some insurers may let you transfer a no claims bonus from a car to a bike, but the reverse isn't possible
You'll be asked to input details of any accidents, claims, damage or motoring convictions within the last five years, then for information on your road qualifications and history.
Drop-down menu options allow you to list any riding qualifications, whether you're a member of a biking organisation and any relevant information if you're a car driver.
You'll also be asked if and when you passed Compulsory Basic Training (CBT), whether you've owned or ridden a bike within the last 12 months and the engine size of the last machine you rode.
Be ready for questions on any DVLA-reported medical conditions/disabilities, any non-motoring convictions, the total number of motorbikes in the household and whether you have access to other vehicles.
Enter the date the bike was purchased (or indicate that it hasn't bought it yet) and its approximate value, and declare whether it'll be used with a sidecar, for towing or to carry a pillion (passenger).
There are relevant sections to fill in if your machine has been modified, adapted or had optional extras fitted, if it's imported (parallel or grey import), and to detail the security devices it has, plus to indicate the registered keeper (options include leased private, leased company, company, society and club).
Finally, select your cover start date, voluntary excess, annual mileage (personal and business) and whether you want to pay annually or monthly.
Did you know...?
- Many insurers offer discounts if you've passed an advanced riding course
Your results page will then display your options including details of the brand, price and excess (voluntary and compulsory), plus any special offers.
You'll be shown whether the policy includes cover for legal assistance, helmet and leathers, personal accident protection and breakdown, and the table can be customised to only show options including any/all of these elements.
When you see a policy you like the look of click through for more information and, if you're happy to proceed, you can buy online or over the phone.
To find out more about policy options, the sort of questions that are asked, how to save on premiums and about motorbike insurance in general, try our guides where you'll also find the answers to frequently asked questions.