Compare Motorbike Insurance Quotes from 25+ UK Providers

Why compare motorbike insurance before renewal?

A renewal price is only one insurer’s view of your bike and riding details. It might still be competitive. It might not. A change in mileage, overnight parking, job title, address, licence type, security device or bike value can all shift the way an insurer prices risk.

Compare motorbike insurance before accepting the renewal and you get a clearer idea of whether the current price still makes sense. Do not look at the premium in isolation. Check the excess, cover level, use class, security conditions and whether the policy includes the extras you care about.

Motor insurance is a legal requirement for vehicles used on UK roads, and third-party insurance is the legal minimum. GOV.UK explains that third-party cover protects you if an accident causes damage or injury to another person, vehicle, animal or property, but it does not cover repair costs for your own vehicle. Read the GOV.UK vehicle insurance overview.

Quick motorbike insurance quote checklist

Before starting a motorbike insurance quote, get the basics together. The registration helps, but it is not the only detail that matters.

• Your bike registration, make, model and engine size.
• The estimated value of the motorbike, scooter or moped.
• Your annual mileage.
• Where the bike is kept overnight: garage, driveway, road or secure parking.
• Your licence type, riding experience and no-claims history.
• Any previous claims, accidents or convictions.
• Security devices, such as alarms, immobilisers, trackers, chains or ground anchors.
• Any modifications, including exhausts, cosmetic changes, performance changes or luggage systems.
• How the bike is used: social, commuting, business or delivery.
• Whether you need pillion passenger cover.
• The level of cover you want to compare.

Small details can become big problems later. A declared lock, a garage, a commuting use class or a modification is not just admin. It can affect what you are quoted and how the policy responds if you need to claim.

What affects the price of motorbike insurance?

The price of motorcycle insurance quotes can vary sharply between riders. A garaged 125cc commuter bike and a high-value sports bike kept on the road overnight are very different risks. Insurers also look at the rider, not just the machine.

• Engine size: larger and more powerful bikes can cost more to insure.
• Rider age and experience: younger or less experienced riders may face higher premiums.
• Postcode: theft risk and local claims patterns can affect pricing.
• Storage: a locked garage may be viewed differently from roadside parking.
• Security: approved locks, alarms, immobilisers and trackers may help reduce theft risk.
• Annual mileage: more time on the road can increase exposure to risk.
• Cover level: comprehensive cover is not always the most expensive option, so compare properly.
• Use class: social use, commuting, business and delivery use are not the same thing.
• Modifications: changes to the bike may affect cost and must be declared.

Quotezone also lists engine size, job, level of cover, age, annual mileage and insurer choice as factors that can affect motorbike insurance costs. See Quotezone’s motorbike insurance guide.

What level of motorcycle insurance should you compare?

Third-party only motorbike insurance

Third-party motorbike insurance is the legal minimum. It is designed to cover injury or damage you cause to other people and their property. It does not usually cover damage to your own bike if you are at fault, and it does not cover your bike if it is stolen or damaged by fire.

Third-party, fire and theft motorbike insurance

Third-party fire and theft motorbike insurance adds protection if your bike is stolen or damaged by fire, while still providing third-party cover. It can be worth comparing if you want more than the legal minimum but do not want, or cannot get, the right comprehensive option.

Comprehensive motorbike insurance

Comprehensive motorbike insurance may cover damage to your own bike as well as third-party liability, theft and fire, depending on the policy. Do not assume it is always the most expensive option. Quotezone notes that comprehensive motorcycle policies can sometimes be cheaper than third-party cover. Check Quotezone’s cover level comparison.

Which motorbike insurance policy fits your ride?

A moped used for short local journeys, a 125cc learner bike, a classic motorbike and a modified weekend machine should not be treated as the same quote exercise.

How to get cheaper motorbike insurance without cutting useful cover

Cheap motorbike insurance is only useful if the policy still fits the way you ride. A low premium with the wrong use class, missing theft conditions or an excess you could not afford is not much of a win.

• Compare before renewal rather than waiting until the final day.
• Keep annual mileage realistic.
• Use accurate storage and security details.
• Choose a voluntary excess you could actually pay.
• Pay annually if it reduces the total cost compared with monthly payments.
• Declare modifications properly.
• Review add-ons rather than accepting or removing everything automatically.
• Build and protect no-claims discount where it makes sense.
• Compare all cover levels rather than assuming third-party is cheapest.

The ABI warns that if you use a vehicle as part of your employment, you need to make sure you are covered for business use. It also says that not having the right level of cover may potentially invalidate your policy. Read the ABI motor insurance guidance.

What does motorbike insurance usually cover?

Motorbike insurance cover depends on the level you choose and the provider’s policy wording. At its simplest, it can cover injury or damage caused to others. More complete policies may also include theft, fire and damage to your own bike.

What might not be covered by motorbike insurance?

Exclusions vary, but there are a few areas riders should check before buying. Quotezone lists common exclusions such as wear and tear, sidecar cover, modifications, riding under the influence, racing, illegal use and wilful damage. View Quotezone’s motorbike insurance exclusions.

There are practical issues too. Leaving keys in or on the bike, failing to use required security, riding with the wrong licence, carrying passengers without pillion cover, or using the bike for delivery on a standard policy can all create problems.

Motorbike insurance add-ons to check before choosing a quote

Add-ons are not automatically good or bad. Some riders need them. Others do not. The mistake is treating them as an afterthought.

• Breakdown cover: useful if you rely on the bike for commuting or longer rides.
• Pillion passenger cover: check this if you carry passengers.
• Helmet and leathers cover: worth checking if your riding kit would be expensive to replace.
• Legal expenses: may help with legal costs after certain incidents.
• Replacement keys: useful if coded keys or security systems are expensive to replace.
• European travel cover: check this before riding abroad.
• Protected no-claims discount: may help protect a built-up discount after a claim, subject to terms.

Common motorbike insurance mistakes to avoid

The awkward mistakes are often simple ones. A bike used for commuting but insured for social use only. An exhaust change that was never declared. A policy bought on price, then checked properly only after something goes wrong.

• Choosing the cheapest quote without checking the excess.
• Not declaring modifications.
• Using the bike for commuting when insured for social use only.
• Using the bike for delivery without the right cover.
• Underestimating annual mileage.
• Assuming helmets, leathers and accessories are included.
• Missing storage or security requirements.
• Not checking pillion passenger cover.
• Failing to update the policy after changing bike, address or use.

If the policy does not match the way you ride, the price is not the real issue. The fit is.

Compare motorbike insurance through Quotezone

My Favourite Voucher Codes introduces you to Quotezone for the motorbike insurance comparison journey. Quotezone.co.uk is a trading style of Seopa Ltd, and Seopa Ltd is authorised and regulated by the Financial Conduct Authority under FRN 313860. You can verify Seopa Ltd on the FCA Financial Services Register.

The insurance quote system is independently owned and operated by Seopa Ltd. My Favourite Voucher Codes does not provide financial advice, does not arrange policies and does not manage insurance. Your quotes will depend on the details you enter, the providers available at the time and the policy options shown during the Quotezone journey.