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It’s better if you have your bike’s number plate handy, but don’t worry if you don’t. You can still get a quote using other details.
What type of license do you have? How long have you had it? Have you had any points or disqualifications over the past five years?
Filed a claim or had an accident in the last five years? We’ll need the date, cost of the claim and facts of the accident.
NCB is the number of years you haven’t made a claim on your insurance. Ask your current motorcycle insurance provider for proof of any NCB you may have.
Will other people also use your bike? You’ll need their names and license details.
This is the top level of cover, and it is recommended for most people. Not only does it cover you for all the things you’re covered for under Third party and Third party, fire and theft, it also covers you if your motorcycle is damaged — even if it was your own fault.
Fully comprehensive covers you for medical expenses, repairs, loss, fire damage, theft and vandalism, (somebody deliberately damaging your bike). It’s a total package.
This type of motorcycle insurance is almost the same as Third party. It still covers other people if you injure them or damage their vehicle or property, but if your bike is damaged, you pay for it yourself.
The difference is that with third-party, fire and theft, you’re covered for repairs and replacements if your bike is stolen or damaged by fire.
This is the most basic level of bike insurance, and it’s the minimum cover you must have by law. Third party only covers other people. It does not cover you. This means if you injure someone or damage their vehicle or property, they’re covered. But if your bike is damaged or stolen, you must pay for that yourself.
Motorcycle insurance can be expensive, we get that. Here are some ways to make it cheaper:
The best way to insure your bike for less. Compare insurance policies and you can save money and get up to £29 cashback.
Loyalty is expensive. Don’t let your insurance auto-renew. Get cheaper bike insurance by shopping around when your policy is up for renewal.
Paying for a whole year of motorbike insurance in one go can be a lot cheaper. Avoid the added interest and fees incurred by paying monthly.
You can make your premium cheaper by increasing your voluntary excess. This is the sum you’re willing to pay if you file a claim. If you believe you’re a safe driver, this can be a great way to reduce the cost of your bike insurance.
Insurers take your annual mileage into account. The fewer miles you ride, the less risk they think you are. If possible, reduce your mileage to make your motorcycle insurance cheaper — maybe take the bus when it’s cold and wet outside?
No. Riding a motorcycle, scooter or moped on the road without insurance is illegal. The police take a dim view of anyone who does this. The same goes for driving a car or van without insurance.
The 1988 Road Traffic Act says that all drivers must be insured against their liability to other people. Riding without cover can lead to a hefty fine or you could even be banned from driving. You’ll also receive at least six penalty points on your license. That would greatly increase the cost of your future motorcycle insurance.
If you own a dirt-bike, scrambler, trail-bike or quad-bike and never drive it on the road, then no, you don’t need motorcycle insurance. But does that make sense? If you go off-road without insurance and you hurt someone, damage their property, hurt yourself or wreck your bike, all liability is on you. That could be very expensive.
Also, if you ever ride the bike on the road – even just a few yards to the track or woods – you must have insurance – at least Third party. Going without is breaking the law.
Yes, you can. It may seem odd to insure a bike you cannot ride, but there are times when it is necessary. Such as if your license is suspended, or if the bike is a collectible that’s no longer driven.
Insurers consider your driving record when insuring any vehicle. If you do not have a license that may not be possible. But you can still insure the bike for a primary driver – someone other than you. You can also exclude yourself from the policy to ensure you’re not considered as an unlicensed risk. You’d do this for that bike that no longer gets ridden.
In short, it is possible to get motorcycle insurance without having a license. But it would be illegal for you to drive it.
Yes. All motorcycles, scooters and mopeds driven on the road are required by law to have valid motorcycle insurance.
After passing CBT (Compulsory Basic Training), riders are legal to drive motorcycles and scooters up to 125cc without passing their driving test. But they must have learner insurance to do so.
Cheap motorcycle insurance costs are based on many factors: Location. Driver age and experience. Claims history. Bike value. Engine size. Bike usage. Mileage. Type of cover required. These points all affect the price of the policy.
The best way to buy cheap motorbike insurance is to compare using Compare.
Discover the prices. See the cashback. Find out how much you can save. Make low-cost motorcycle insurance cost even less.
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When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.
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*51% of consumers who received a quote for their Motorbike Insurance through this service provided by Seopa Ltd. in January 2023 were quoted less than £206.69. The price you could achieve is dependent on your individual circumstances.