Motorbike insurance covers you against risks like theft, damage and road traffic accidents.
It’s illegal to drive without bike insurance in the UK. Motorcycle insurance is something every motorcyclist needs. The only time you don’t need it is if you’ve declared your bike as being off the road.
Whether you’ve just passed your test or been biking for years, it’s important to get the right insurance for you and your bike.
What level of cover do you need from your motorbike insurance?
Before you get bike insurance, you’ll need to decide what level of cover you need. The more cover you have, the more protection you’ll have. But more cover costs more money.
The right motorbike insurance for you is one that gives you the cover you need, at the cheapest price.
You can choose from three types of motorcycle or moped insurance cover:
Third party only covers injury to others and damage to their property.
Third party, fire and theft covers injury to others and damage to their property. It also covers theft of your bike and fire damage to your bike.
Fully comprehensive covers all of the above, plus damage to your bike through accident or vandalism.
Once you’ve decided what type of motorcycle insurance is best for you, fill out our form to compare bike insurance. This’ll help you to find the right policy at the best price.
How much does bike insurance cost?
When you compare motorbike insurance you’ll see how much the price varies between companies. It also varies depending on a number of variables. These can include:
The type of motorbike you have
How old you are
How you use the bike
How you secure your bike
Where you store your motorbike
The excess you pay
How can I get cheap motorcycle insurance?
When you compare motorcycle insurance, don’t simply focus on getting cheap bike insurance. You need to make sure it gives you enough cover too.
But there are a few things you can do to save money on your insurance. These include:
Pay up front in full, because insurers charge interest for monthly payments
Choose to pay a higher excess. This’ll reduce your monthly payments, but you do need to make sure you could afford the excess if you needed to claim. Also be aware that paying a higher excess could cost you more overall if you need to make a claim
Leave out any extras. Don’t pay more for extra benefits that you won’t need to use
Secure your vehicle. Tell your insurer if you keep your motorbike in a garage and about any anti-theft devices you have
Shop around. Compare motorcycle insurance, UK wide, to get the best bike insurance quote that meets your needs. Also, don’t auto-renew your insurance – check the motorcycle insurance quote your insurer is offering. The bike insurer you’re currently with might not offer you the best deal. When it comes to insurance, loyalty doesn’t often pay.
Get the cover and extras you need
When you’re looking for the right motorbike insurance quote, think about what you need from your policy. Sometimes these might be sold to you as extras.
You might want cover for:
Trips abroad: Most insurance companies include cover for riding your bike abroad. But the length of time you’re covered for can vary. Some insurers cap trips abroad at a maximum of 30 days. Others give you 180 days of cover.
Helmets and clothing:Most motorbike policies include the option to add cover for accessories, but you might have to pay a bit extra. Look for a bike insurance policy where cover comes as standard. Check the limit is enough to replace your helmet and leathers.
UK breakdown cover: This gives you roadside assistance if your bike breaks down while you’re on the road. Some insurers charge extra for this, so look for policies that include it as standard.
Pillion cover: Some insurers let you take a passenger but others sell this as an add-on. Check carefully whether it’s included in your policy as standard.