Bike insurance cover

Bikers, compare cheap motorbike insurance quotes – half of customers could save up to £52[1]

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[1]50% of consumers could save up to £52.85

[1]50% of consumers could save up to £52.85

Reasons to compare motorbike insurance with us

[2]Dine membership, please read our terms and conditions and FAQs page

Do I need bike insurance?

Bikers, trikers, scooter commuters or overland tourers – there’s one thing we’ve all got in common: we need to insure our bikes.

Bike insurance is a legal requirement in the UK so it’s as much an essential as your helmet.

It can help if your bike is stolen, damaged or you’re involved in a traffic accident, so sort your motorbike insurance for less and get ready to hit the road.

Motorbike insurance, in minutes

We just need a few details to get your bike cover sorted:

  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?

Get a quote

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417 bike insurance reviews on reviews.co.uk as of February 2019[†]

Compare and save, no matter how you ride

Bike as you like, we’ve got you covered. Find out about policies for two wheels, and more.

Classic motorbikes

Look after your vintage legend 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

How does cover for a trike differ to standard bike insurance?

Find out more >

Insurance for your quad

Is it a quadricycle? Is it a car? Either way, standard motorbike insurance won’t cover it.

Find out more >

Young or new riders

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

Find out more >

Short term motorbike insurance

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

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What kind of insurance should I get?

There are three different levels of bike insurance you can opt for

  • Comprehensive bike insurance

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

    Get a quote
  • 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.

    Get a quote
  • 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.

    Get a quote

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 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

    Less 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 your bike safely overnight

  6. Other riders

    Having someone inexperienced on your policy might hike the cost up. But if someone who’s been riding for years borrows your bike, it might make things cheaper

  7. Brush up on your skills

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

  8. Build your no-claims history

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

  9. Pay for what you need

    Helmet and leather cover, breakdown cover and courtesy bike cover can often be bought with motorbike insurance as optional extras. Think about whether you really need them and whether you might get better value buying elsewhere

  10. Compare motorbike insurance policies

    The easiest way to save is to shop around

Motorbike insurance add-ons

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

Pillion cover

You’ll need cover to carry passengers, even if you only do it once in a while.

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Breakdown cover

You break down in the middle of your epic weekend ride. Who you gonna call? Your breakdown cover provider, of course.

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Helmets and leathers

Bike gear’s expensive. Luckily, you can insure your head-to-toe protection for extra peace of mind.

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Legal expenses insurance

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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Modified bike insurance

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

Find out more

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.

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Motorbike insurance guides

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