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.
There are three main bike insurance cover levels.
This option will cover damage to your bike and any injuries you suffer, as well as any damages to third parties.
Provides cover for damage and injury to third parties, but also covers you if your bike is stolen or damaged by fire.
This policy will only cover damage and injury you cause to others. This is the minimum level of cover required by law.
Try these four tips
Consider a Thatcham approved alarm or lock and store it safely overnight
Take an advanced riding course to build skills with RoSPA or join the DVSA Enhanced Rider Scheme
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
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
We compare different insurers from a panel of providers. For all types of riders and all sorts of bikes.
Standard motorbike insurance won’t cover a quad bike, so you’ll need a different policy.
How to get insured if you’ve just passed your test or you’re riding on a CBT certificate.
Cover for a day, a week or just for the summer.
Learn more about the extras you can get to supplement your motorbike insurance policy.
You’ll need it to carry passengers, even if you only do it occasionally.
Make breaking down less stressful with the right cover.
Bike gear’s expensive. Luckily, you can insure your protective clothing for extra peace of mind.
Legal insurance for motorbikes covers the cost of pursuing at-fault parties for things like loss of earnings and travel expenses following an accident.
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.
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.
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.
It depends on the policy you buy but this is referred to as pillion cover. Remember to check policy details before carrying any passengers on your bike and make sure your licence allows carrying passengers.
It depends. The majority of insurance providers will not allow this. But you might be able to find few providers that’ll allow transferring your no-claims bonus over from your car to your motorbike policy.
Usually no, but a few insurers might allow it. Make sure you check with your insurer before committing to a policy.
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.
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.
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.
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.
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.
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.
Page last reviewed: 14 July 2020
Next review due: 14 September 2020
Price savings are based on independent research by Consumer Intelligence, conducted between 1 April to 30 April 2020: 50% of consumers could achieve a saving of up to £55 with Gocompare.com bike insurance based on a comparison of 7 companies