ComprehensiveComprehensive cover for commuters
£310
per year
£28
per month
Excess: £200 compulsory
Helmet & leathers cover: Included
Multibike discount available
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Compare motorbike insurance
Compare motorbike insurance for commuters, learners and enthusiasts, covering everything from 125cc runabouts to high-performance superbikes.
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Comprehensive
ComprehensiveComprehensive cover for riders
ComprehensiveStandard motorbike policy
Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your vehicle, driving history, location and cover level.
What does motorbike insurance cover?
Motorbike insurance is a legal requirement for riding on UK roads, ranging from basic third party cover to comprehensive policies that also protect your own bike, riding gear and personal accident risk.
Specialist insurers such as Carole Nash and Bennetts focus specifically on bikes, often offering agreed value cover for classics and better terms for modified or high-performance machines than mainstream insurers.
What are the benefits of motorbike insurance?
Protects expensive gear
Many policies include cover for helmets and leathers alongside the bike itself.
Specialist underwriting
Dedicated bike insurers understand modifications, classics and touring use better than generalists.
Multibike discounts
Riders with more than one bike can often insure them together for a lower combined cost.
What does a motorbike policy include?
Liability cover
Damage or injury caused to others while riding.
Own bike damage
Repair or replacement following an accident, on comprehensive policies.
Fire and theft
Cover if your bike is stolen or damaged by fire.
Helmet and leathers
Cover for riding gear, often up to a set limit per item.
Personal accident cover
A payout for injury to the rider, often available as an add-on.
European touring cover
Optional extension for riding in the EU, popular with tourers.
How is motorbike insurance priced?
Insurers price bikes on engine size, power output, value and the rider's age, licence type and years of riding experience.
Where the bike is kept overnight, security features like disc locks, chains and alarms, and annual mileage all influence the premium.
Modified or classic bikes are usually priced individually by specialist underwriters, often on an agreed value basis rather than standard market value.
What cover level does a motorbike rider need?
Comprehensive cover suits most riders with a bike worth insuring against fire, theft and damage, and is increasingly competitively priced against third party fire & theft.
Classic or specialist policies are worth considering for bikes over 15-20 years old, low-mileage machines, or anything with significant modifications, where a standard insurer might undervalue the bike after a claim.
How to choose a motorbike insurance provider
Check whether the policy is agreed value or market value, particularly for classics, and confirm any security requirements such as an approved chain or disc lock are met, as failing to meet them can void a claim.
How to save money on motorbike insurance
Completing an advanced riding course such as a Bikesafe or IAM RoadSmart, fitting approved security devices, and limiting annual mileage can all reduce premiums. Riding fewer, better bikes rather than a large modified collection also helps.
Related guides
These guides might help.
How your postcode affects your premium
Why two identical drivers a mile apart can pay very different amounts for cover.
No claims bonus explained
How to protect it, transfer it between insurers, and what it's really worth over time.
Black box insurance: is it worth it?
How telematics policies are scored, and who genuinely saves money using one.
FAQs
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Written by the Grow Your Business insurance team