Bike insurance cover

Bikers, compare cheap motorbike insurance quotes with vast:visibility[1]

Reasons to compare motorbike insurance with us

Do I need bike insurance?

Motorbikes come in all shapes and sizes and bikers come from all walks of life, but you’ve all got one thing in common: you need the right motorbike insurance.

Whether you’re a biker, triker, scooter commuter or overland tourer, motorbike insurance is a legal requirement in the UK, so it’s as much an essential as your bike helmet.

Motorcycle insurance can help if your bike's stolen, damaged or you’re involved in a traffic accident. We'll help you find the right cover for you, your motorbike and even all your bike gear.

Levels of motorcycle cover

There are three main bike insurance cover levels.

  • Comprehensive bike insurance

    This option will cover damage to your bike and any injuries you suffer, as well as any damages to third parties.

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  • Third party, fire and theft (TPFT)

    Provides cover for damage and injury to third parties, but also covers you if your bike is stolen or damaged by fire.

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  • Third party only (TPO)

    This policy will only cover damage and injury you cause to others. This is the minimum level of cover required by law.

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Policies for you, whatever you ride

Find policies for all types of riders and all sorts of bikes.

Classic motorbikes

Look after your vintage bike with a specialist policy.

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Scooters and mopeds

Find the right cover for those 49cc to 125cc learner bikes.

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Three-wheelers

Find out the differences between trike cover and standard bike insurance.

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Insurance for your quad

Standard motorbike insurance won’t cover a quad bike, so you’ll need a different policy.

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Young or new riders

How to get insured if you’ve just passed your test or you’re riding on a CBT certificate.

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Short term motorbike insurance

Cover for a day, a week or just for the summer.

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Motorbike insurance, in minutes.

We just need a few details to get your bike insurance quotes:

  1. How you use your bike

    For social, commuting or business purposes 

  2. Details about you and your vehicle

    Name, address, reg number and where you keep your bike

  3. Your annual mileage

    How far do you ride in a year? Remember to account for more riding in summer if you’re a fair-weather biker

  4. Any modifications

    Declare your heated grips, luggage racks, uprated exhaust and any other changes from standard

  5. Your bike’s value

    How much is it currently worth?

Motorbike insurance add-ons

Learn more about the extras you can get to supplement your motorbike insurance policy.

Pillion cover

You’ll need it to carry passengers, even if you only do it occasionally.

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Breakdown cover

Make breaking down less stressful with the right cover.

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Helmets and leathers

Bike gear’s expensive. Luckily, you can insure your protective clothing for extra peace of mind.

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Legal expenses cover

Legal insurance for motorbikes covers the cost of pursuing at-fault parties for things like loss of earnings and travel expenses following an accident.

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Insurance for modified bikes

Crash cans, touring windshields, or lowering kits - if it’s not factory standard, you’ll need to declare it as a modification to your insurer.

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How to cut the cost of your motorbike insurance

Try these 10 tips for cheaper insurance 

  1. Ride smaller and older bikes 

    These motorbikes tend to have less powerful engines, lowering your risk in the eyes of insurers

  2. Avoid modifications 

    Leave your bike as factory standard, so it costs less to fix and doesn’t stand out to thieves  - though non-performance mods like heated grips might not cost extra

  3. Limit your mileage 

    Fewer miles ridden normally means cheaper premiums

  4. Pay annually 

    Avoid interest charged on monthly instalments

  5. Improve security 

    Consider a Thatcham approved alarm or lock and store it safely overnight

  6. Other riders 

    Having someone inexperienced on your policy might increase the cost, but adding someone who’s been riding for years could make your insurance cheaper

  7. Brush up on your skills

    Take an advanced riding course to build skills with RoSPA or join the DVSA Enhanced Rider Scheme

  8. Build your no-claims history

    A riding history without claims can get you a no-claims discount (NCD). But it'll usually have to be earned on a bike, not a car or other vehicle

  9. Only pay for what you need 

    Think about whether you really need any optional policy extras and check if you can get better value buying them separately

  10. Compare motorbike insurance policies

    The easiest way to save is to shop around  

Frequently asked questions

  • How do licence grades work?

    There are different licence categories that allow you to ride bikes ranging from low-speed mopeds to motorcycles of any size or power.

    There are two ways of getting the licence category you want: the direct access route, which is based on age-group; or the progressive route, which allows you to gain experience and get the desired licence type at a potentially younger age.

    For more information on motorbikes and licences, gov.uk has a list of the different licence types and requirements.

  • Can I use a car NCB for my bike?

    Usually no, but a few insurers might allow it. Make sure you check with your insurer before committing to a policy.

  • Can I insure my sidecar?  

    Yes, you can. Depending on the provider, sidecar insurance may be included as standard on your policy, or you might be able to add it as an optional extra. 

  • Can I ride my bike abroad?

    Your policy terms and conditions should state whether you can ride abroad.

    If you do so frequently, it might be worth looking into European cover as a separate policy, and it’s always worth being aware of issues such as the countries you're insured for, the number of days of continuous cover, and whether you have the same protection as when you're in the UK.

  • What is CBT?

    CBT stands for Compulsory Basic Training. This is a course that all learner motorbike and moped riders must undertake. If you passed your car driving test before February 2001, you can ride a 50cc moped without taking it, but it’s still recommended.

  • Can 16-year-olds ride scooters and mopeds? 

    If you're aged 16 and want to ride a moped or scooter on the road you'll need to hold a provisional licence, have completed a Compulsory Basic Training (CBT) course, and you'll need to display L plates (D plates in Wales). You can’t carry a passenger or ride on a motorway.  

  • What's the difference between a scooter and a moped?

    The Motorcycle Industry Association (MCIA) defines a scooter as having an engine that's an integral part of the rear suspension, or a chassis that's a step-through type. This is regardless of engine capacity or wheel size.

    A moped is defined as a motorised two-wheel vehicle with an engine capacity of less than 50cc and a top speed of approximately 31mph.

  • Can you insure imported motorbikes?

    Yes, you can. Just like any other vehicle, you need to insure an imported motorbike before you head out on the road. Parallel imports are relatively simple to insure compared to grey imports, but both can be covered in the UK. We can help you find insurers who can cover your imported motorbike.

  • What does excess mean?

    This is the amount of money you pay to make a claim. Compulsory excess is what you have to pay, and voluntary excess is what you can opt to pay, which might bring down the price of your premiums.

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Motorbike insurance guides and tools

[1]Gocompare.com introduces customers to Vast Visibility Limited which is authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with Vast Visibility Limited is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites.

[2]Price savings are based on independent research by Consumer Intelligence, conducted between 1 August to 31 August 2019: It compared 11 insurers from our panel and found 51% could achieve a saving of up to £60.32 with us on their bike insurance

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