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Motorbike Insurance

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Understanding Motorbike Insurance

Motorbike insurance is a crucial requirement for all riders in the UK, serving as both a legal necessity and a protective measure for you and your vehicle. Similar to car insurance, motorbike insurance ensures that you are financially and legally covered in the event of an accident, theft, or damage to your motorcycle.

In the UK, the insurance classification of a Motorbike is primarily defined by the engine size, speed capability, and power output. You could simplify this by considering two factors – Engine Size, and Licence and Registration.

  • Any two-wheeled vehicle with an engine size over 50cc is generally classified as a motorbike.
  • Riders must be at least 17 years old and have completed additional licensing requirements depending on the bike’s power and the rider’s age.

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What Insurance do I need to ride a Motorbike in the UK?

In the UK, it is mandatory to have at least third-party motorbike insurance before you take your bike on the road. This minimum coverage protects against any damage or injury you may cause to other people or their property while riding your motorbike.

Third party fire and theft cover is another option for motorcyclists, this policy covers the cost of repairs to another vehicle or for replacement of the bike in case it is damaged in a fire or is stolen.

Finally, comprehensive insurance provides total cover, including the costs of damage to your own bike if you cause a collision. Taking out full, comprehensive cover may seem like an extra expense, but if you are a motorbike fanatic who loves their bike, you may like the peace of mind of knowing, should the worst happen it can be repaired or replaced.

How can I get a better deal on Bike Insurance?

1. Understand how the premiums are calculated

Insurance companies determine the premium for your motorbike insurance by assessing a variety of factors that influence the likelihood of an accident or claim. These factors include the type and model of your motorbike, your riding history, age, and even your geographical location. More powerful or expensive bikes generally attract higher premiums because they pose a greater financial risk in terms of potential claims for damage or theft. Your personal riding history is also crucial; if you have a history of accidents or claims, insurers might see you as a higher risk, which could increase your premiums. Additionally, where you live and where the bike is stored can affect the cost—areas with higher rates of theft or accidents typically see higher insurance costs.

2. Take care of your No Claims Discount

Building up a No Claims Discount (NCD) Bonus is an excellent way to reduce motorbike insurance premiums. The NCD rewards safe riding and claim-free periods by offering a discount on your insurance costs. Maintaining a no claims record not only reflects good riding practices but also significantly reduces the cost of your insurance over time. It’s a wise strategy for any motorcyclist looking to manage insurance expenses effectively.

How does a No Claims Discount work?

Here’s how it typically works and why it’s beneficial:

Incremental Discounts: Each year that you ride without making an insurance claim, you accumulate another year of no claims, which usually results in an increased discount on your premium. The rate of increase and the maximum discount can vary by insurer, but discounts can range from as little as 5% to as much as 60% or more after five consecutive claim-free years.

Encourages Safe Riding: The prospect of earning a no claims discount encourages motorcyclists to ride safely and responsibly. Knowing that cautious riding can lead to substantial savings on insurance premiums serves as a strong incentive to avoid accidents and claims.

Transferable: If you decide to switch insurance providers, in most cases, you can transfer your accumulated no claims discount to the new insurer. This flexibility allows you to shop around for the best insurance deal without losing the benefits of the no claims discount you’ve built up.

Protection Options: Some insurers offer the option to protect your no claims discount. This means that even if you have to make a claim, you won’t lose your NCD. There’s usually an additional cost for this protection, but it can be worthwhile to safeguard the discount you’ve earned, especially if it’s substantial.

3. Compare quotes and policies before you committ

It’s worth putting the same time and enthusiasm to find insurance that it took you to find your motorbike. Shopping around is essential when looking for motorbike insurance because different insurers have different methods of evaluating risk and calculating premiums. What one insurer considers a high risk, another might not view as severely, which can lead to significant variations in the quotes you receive.

Regularly comparing insurance offers can ensure you get the best coverage for your needs at the most competitive price, helping you to manage costs while maintaining the protection you need for your bike.

Motorbike Insurance

You could pay less than £249 for Motorbike Insurance. Quickly compare quotes from over 25 providers.*

No registration details? No worries!
Get Motorbike Insurance quotes by Make and Model here >

Want more information? Find out how the type of Motorbike you buy can impact the Insurance premium you’ll pay

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Our partnership with Quotezone.co.uk helps you compare quotes for a range of different types of Insurance. Take a look at these Insurance categories and remember, whatever you select, it will always be quick and easy to find the right Insurance at the best price for you.

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*Here4Insurance have partnered with Quotezone.co.uk to help you save money on your Motorbike Insurance. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4 Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.

51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in July 2024 were quoted less than £249.01. The price you could achieve is dependent on your individual circumstances.