motorbike insurance
Looking for a better deal than your renewal? Run one quick journey and compare UK providers side by side.
From commuters to larger engines, compare bike cover options quickly with one form.
compare 25+ providers
you could pay less than £255*
— powered by Seopa —
What does motorbike insurance cover?
Third-party only (TPO)
- Minimum legal cover for UK roads.
- Damage or injury to third parties after an at-fault accident.
Third-party, fire and theft (TPFT)
- Third-party liability cover.
- Fire damage cover.
- Theft cover.
Comprehensive
- Includes third-party, fire and theft.
- Also covers your own motorbike in at-fault accidents.
Specialist motorcycle insurance options
What affects motorbike insurance cost?
- Engine size and bike value.
- Your age and riding history.
- Your job and usage pattern.
- Annual mileage.
- Level of cover and insurer pricing model.
What is commonly excluded?
- Wear and tear or poor maintenance.
- Sidecars or attachments unless added separately.
- Undeclared or illegal modifications.
- Riding under the influence.
- Racing and high-risk activity on standard policies.
- Illegal use or deliberate damage.
How can I get cheap motorbike insurance?
- Improve overnight parking and security devices.
- Build and protect your no-claims discount.
- Avoid unnecessary modifications.
- Choose a lower-powered bike if suitable.
- Pay annually to avoid monthly interest.
- Compare quotes every year.
Available upgrades and extras
- Breakdown cover.
- Pillion cover for eligible licence holders.
- Replacement keys.
- Helmet, leathers, and personal effects cover.
- Legal expenses cover.
- Protected no-claims discount.
- European travel cover.
Classes of motorbike use
- Social use only (SD&P).
- Social and commuting to one fixed workplace.
- Business use for multiple work locations.
- Delivery use for low-value goods.
Motorbike insurance FAQs
Is third-party only always the cheapest?
Not always. TPO can be cheaper upfront, but comprehensive can sometimes price better depending on your risk profile. Compare all three cover levels each time.
Are smaller bikes cheaper to insure?
Usually yes. Lower-cc bikes are often cheaper to insure, but age, experience, and postcode still have a big impact on your quote.
Can I ride other bikes on my policy?
Sometimes, and often only on a third-party basis. Check your policy wording carefully before riding another bike.
Do I legally need insurance to ride in the UK?
Yes. You need at least third-party cover to legally ride a motorbike on UK roads.
How can I check if I am insured?
Your insurer should provide policy documents when you buy. If needed, you can also verify status through the Motor Insurance Database.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in June 2025 were quoted less than £255.01. The price you could achieve is dependent on your individual circumstances.