logo-rebrandphone Skip to main content

Compare motorbike insurance quotes

Get a quote in minutes and you could pay £132.84* or less for motorbike insurance

In partnership with
Black motorbike

*51% of consumers who purchased Motorbike Insurance through this service provided by Seopa Ltd in August 2020 were quoted less than £132.84. The price you could achieve is dependent on your individual circumstances.

How does it work?

Enter your details

Get personalised quotes in minutes by providing a few car and driver details.

Compare quotes

Find the car insurance that’s right for you by exploring our best deals.

Apply and save

Start saving money and apply with your chosen provider.

Find the motorbike insurer that suits you

Get a detailed insight into the top motorcycle insurance providers or cast your net wider by viewing all car insurance companies...
Principal logo


Hastings direct car insurance

Hastings Direct



One Call Insurance

Admiral logo


esure car insurance provider


AA car insurance logo


What our customers say

“Really easy, and great quotes, saving me a lot of money on my new car insurance renewal!”

Fior Liza Camilo

“I have used Uswitch before and they offer brilliant service.”

Felician Fisca

“How all of these things should be, quick & easy. Buying a new car should be exactly the same“

Matthew Joy

"Very helpful"


Man on motorbike

Can you get cheaper motorbike insurance?

If you answer yes to all these questions you could...

Is your motorbike factory standard?

Insurers get wary when owners tinker with engine management and exhaust systems to get more power and faster acceleration.

Will you ride solo only, without a pillion passenger?

A passenger is a 'third party' and your insurer has to pay out for any injuries to them. That's why insurers offer discounts for solo riders.

Do you only ride your motorbike for pleasure, not work?

Business use, even commuting, increases the risk of claims because you might be riding in busy traffic.

Have you got a clean driving licence?

Watch that throttle hand! One speeding fine might not bump up your premium but any more will. Build up that no claims discount.

Car underneath an umbrella

Is third party insurance cheaper than fully comprehensive insurance?

Comprehensive vs third party - what's the difference? You might expect third party only to be the cheapest form of insurance cover — after all, third party offers the least protection of all types of insurance. But this isn’t always the case, and drivers can end up paying more for less cover. Third party insurance (known as third party only or TPO) is the minimum amount of cover you need to drive legally in the UK.

Read our full guide

Explore our guides

Find in-depth information on everything you need to know about comparing motorbike insurance and switching your cover.

See more guides

Am I insured if I drive someone else's car?

Before you borrow a friend's of relative's car, do you know whether you're insured? Even if you have your own comprehensive car insurance policy, you may not be covered to drive another vehicle.

Car overturned, emergency services

What to do when your car is declared a write off

All you need to know about insurance write-off categories. Find out what happens when your insurer considers your car too damaged to repair economically.

Speed Awareness Course: Everything you need to know

Speed awareness course: All you need to know. Some drivers caught speeding can attending a speed awareness course rather than a fine and points on their licence.

Car Insurance: Your Questions Answered

We've answered common car insurance questions to help you understand what you need and to decide what car insurance is best for you.

Advanced driving and intensive driving courses

Advanced driving course can make you a safer risk to insurers. Find out about the benefits of taking advanced driving and intensive driving courses and what insurance discounts you might get.

Car Warranty | Used and Extended Car Warranties

While car insurance can cover the cost of repairing your vehicle after an accident, car warranty could be a useful extra for when something goes wrong.

Motorbike insurance FAQs

Motorbike insurance is a legal requirement for anyone riding a motorcycle, scooter or moped on the road. The legal minimum is third party insurance that protects you against any liabilities you may have if you cause an accident and damage another vehicle or injure another person. Some types of motorbike insurance will also cover you for the loss or damage of your bike.

If you ride any kind of motorbike – what the government now calls powered two-wheelers – without the correct insurance you are breaking the law and could face a fine, points on your licence, and you could even have your bike seized by the police.

Not all motorbike insurance policies are the same, and what’s covered will depend on the cover level you opt for. 

There are three different levels of motorcycle insurance available in the UK: 

You will also need to tell your insurer how you will use your motorcycle. The basic level of cover is Social, domestic and pleasure (SDP)

You can then add:

  • Commuting – to one place of work (or to the station each day to get the train to work)

  • Business use – varying levels depending on whether you visit different workplaces, or clients and work sites and what you carry with you

  • Commercial use – using your motorbike as a key part of your job

  • Courier insurance – for delivery drivers and despatch riders

You will also need to say if you intend to carry a pillion passenger. This will increase your premium because your passenger is a third party, so if you come off and injure him or her, your insurer may have to pay any claims he or she makes.

You can get a motorbike insurance comparison by going online and putting in your details. It should only take a few minutes so long as you have your details - your motorbike model and make for example, to hand.

Third party insurance provides the basic motorcycle cover required by law and pays out for damage to someone else or their property if your bike is involved in an accident that is deemed your fault. However, it doesn't cover the cost of repairing or replacing your motorcycle.

Be aware that a pillion passenger on your motorcycle is a third party, so if you injure him or her your insurer may have to pay any claims he or she makes.

Third party, fire and theft insurance provides the same cover for your motorcycle as third party insurance, but in addition it covers the cost of repairing or replacing your bike if it's stolen, or damaged by fire.

Fully comprehensive insurance provides the same cover for your motorcycle as third party fire and theft insurance, but in addition it covers the cost of repairing or replacing your bike if you accidentally damage it. There may also be a range of add-ons available, such as covering damage to your helmet or motorcycle clothing.

Aside from the basic cover levels above, many policies include (or allow you to add) extra features. These can include cover for riding other bikes, riding abroad, breakdown assistance and cover for your helmet and leathers.

It’s important to note that while some insurance policies will include cover for pillion passengers, it’s not always included as standard. When running an insurance quote, you can choose whether to include cover for passengers. 

Opting not to include insurance for passengers could cut the cost of your cover, but be aware that it’s a legal requirement to have such cover whenever you carry another person on your bike.

You will need to tell your insurer how you use your motorbike. If you commute to work (or even to a station to get a train to work) you’ll need to add commuter cover to the standard social, domestic and pleasure cover. 

If you ride to more than one office or to different locations you need business use. You will need to tell your insurer what job you do and what kind of business use you need – and you will only be insured for what you have said so you need to tell them if you change job or get a second occupation.

You will also need to say how much of your motorcycle riding will be for business rather than pleasure and provide an estimate of how many miles a year you will ride.

If you need to use your motorcycle to work as a courier, you will need a specialist courier insurance policy.

Lots of bikers like to add little personalisation to their bikes and insurers understand this. Most will accept a few minor cosmetic changes and straight replacement parts or tyres, but if you change the engine set-up and exhaust and get your bike dyno jetted, increasing its power, expect to pay more.

Your insurance premium will depend mostly on your age (insurance tends to be more expensive for younger riders), the make and model of bike, the power and capacity of your motorbike's engine and the area where you live.

You might find a smaller, lighter bike actually increases your motorcycle insurance premiums because it is easier to steal and often more popular with young tearaways.

Insurance companies will take your experience on the road into account too, including previous accidents, claims and road traffic convictions — it’s important to declare these whether they occurred on your motorbike or another vehicle, such as a car or van.

As is the case with most insurance policies, your motorbike insurer will expect you to pay the first part of any claim — this is called a compulsory excess. The amount will depend on the individual policy (this will be listed in your quote).

Many insurers will also include a voluntary excess, which you can amend yourself. You may be able to reduce the cost of your motorbike insurance by paying a higher voluntary excess on top of the compulsory excess. 

Generally speaking, the more you agree to pay in excess, the cheaper your premium will be. It's important to remember, though, that you will need to pay this amount in the event of a claim.

Motorbike insurance, like car and van insurance, builds up a no claims discount for every full year you are insured but do not claim. But most insurers consider motorbike and car no claims as entirely separate and will not transfer or give credit for one to another. It’s worth declaring it in case they make a mistake though.

The insurance comparison service is provided by money.co.uk, which is a trading name of Dot Zinc Limited, registered in England (4093922) and authorised and regulated by the Financial Conduct Authority (415689). Registered address: The Cooperage, 5 Copper Row, London, England, SE1 2LH. By using this system you are agreeing to our Terms and Conditions and Privacy Policy.