Motorbike Insurance
Compare great quotes from up to 25 UK motorbike insurance providers
Compare up to 25 providers via Mirror Switch and Save and you could pay less than £256₍₅₎
Quotes provided by Quotezone
We’re partnered with Quotezone.co.uk. As an Introducer Appointed Representative of Seopa Ltd, trading as Quotezone.co.uk (FCA FRN: 313860), we receive a commission if you purchase insurance products through the link above/below. We do not provide advice or make recommendations. Your choice of provider is entirely your own. We may receive a fee or commission for introductions made via the links provided
Get insurance quotes from a panel of trusted UK insurance providers
You could pay less than £256₍₅₎ for your motorbike insurance
Quotes provided by Quotezone.
Savings based on representative cost savings from April 2026.
Understanding Motorbike Insurance
Motorbike insurance is a legal requirement for riding on public roads. It provides financial protection against accidents, theft, or damage. Riders must choose from three standard coverage levels: Third Party Only, Third Party Fire and Theft, or Comprehensive. Policies are priced based on rider age, experience, and bike model.
What are the different types of motorbike insurance?
The three standard levels of motorbike insurance in the UK dictate your financial protection on
public roads. They are comprehensive insurance, third party, fire and theft, and third party only.
Comprehensive insurance
The highest level of financial protection. Covers damage to your own motorbike and pays for injuries to yourself. Includes third-party damage and injuries, and covers vandalism, fire, and theft.
Third-party, fire, and theft (TPFT)
Offers mid-level risk protection strategy. Covers repairs if bike is stolen and pays out if bike is damaged by fire. These kind of policies include compensation for third-party damage, but excludes damage to your own bike from accidents.
Third Party Only (TPO)
This is the minimum legal UK requirement. It only covers damage to other people and pays for third-party property damage. This kind of policy offers cover for injuries to other drivers or pedestrians, but there is zero payout for your bike or injuries.
What types of specialist motorbike insurance are available?
Moped insurance
Tailored for small, low-powered engines under 50cc. It provides affordable, legally required cover for young riders, city commuters, and delivery workers navigating daily urban traffic.
Electric scooter insurance
Essential for road legal electric models. This policy protects your eco-friendly ride against specific electrical component faults, battery theft, and third-party accident liabilities.
Classic motorbike cover
Designed for older, vintage motorcycles. It features an agreed value pay-out rather than market value, alongside low mileage discounts and very specialized club member benefits.
Quad insurance
Covers four wheeled all-terrain vehicles. It addresses unique risks for off road trail riding, agricultural work, or road legal quad bikes on public highways.
What kind of claims are rejected by motorbike insurers?
Damage to your own bike: This won’t be covered if you only hold a Third Party Only (TPO) or Third
Party, Fire and Theft (TPFT) policy.
Personal injury: TPO and TPFT tiers exclude medical pay-outs or injury compensation for the
policyholder.
Uncertified modifications: Damage to or theft of parts not declared at setup, such as performance
exhausts or air filter mods, is strictly excluded.
No pillion cover: Claims involving injury to a passenger are rejected if pillion cover was not added as
a specific policy extra.
Driving under the influence: Any accident claims occurring while riding under the influence of
alcohol or drugs are void.
Incorrect licence status: Operating a bike size or class that violates your specific UK driving licence
restrictions.
Keys left in ignition: Claims for theft are flatly refused if the keys were left in or on the bike.
Garaging security warranties: Claims for overnight theft will be rejected if the policy stipulates the
bike must be locked in a garage overnight, but it was left on the street.
Incorrect class of use: Making a claim during a delivery run or work commute when the policy only
covers social, domestic, and pleasure use.
What can I do to get a cheaper motorbike insurance quote?
You could pay less than £256₍₅₎ when you compare motorbike insurance quotes via Mirror Switch and Save today.
Increase your voluntary excess
By paying more upfront, you agree to pay a higher lump sum towards any future repair claims. Equally, lowering your premium can save you money. Insurers reward this financial risk-sharing with significantly lower monthly or annual costs.
Install approved security devices
By fitting insurance-approved disc locks, heavy-duty chains, or ground anchors, as well as adding a tracking system, your premiums can be lower. Fitting a GPS tracker or an electronic immobiliser dramatically reduces theft risk. As does garaging your bike.
Minimise annual mileage
Keep your projected annual mileage low if you only ride occasionally. Fewer miles on public roads mathematically reduces your statistical chances of an accident.
Complete advanced riding courses
Tass recognised courses like BikeSafe, IAM RoadSmart, or RoSPA to prove your skills. Higher qualification levels show insurers you are a lower-risk, safer rider.
Pay annually
Annual payments avoid the high-interest credit charges added to monthly instalments.
Quotes provided by Quotezone
Motorbike insurance FAQs
What is the cheapest motorbike insurance in the UK?
Third-Party Only (TPO) is the basic legal minimum, but Comprehensive is often cheaper in reality. Insurers associate TPO with high-risk riders who make frequent claims.
How can I lower the cost of my quote?
Pay your premium annually to avoid high monthly interest charges. You could also secure your bike using Thatcham-rated locks, park it in a locked garage overnight, increase your voluntary excess, and complete an advanced riding course like BikeSafe to prove to insurers that you are a low-risk rider.
Does the size of an engine determine quotes?
Yes, engine size heavily dictates your premium. Motorcycles are placed into insurance groups based on engine capacity and power. Smaller engines, like 50cc moped or 125cc commuter bikes, generally cost less to insure because they have a lower top speed, lower repair costs, and are statistically involved in fewer severe accidents.
Can someone else ride on my motorbike?
Only if they are legally covered on a valid policy. You can officially add them to your own insurance as a named rider. Alternatively, they must hold a separate policy that explicitly includes "Driving Other Bikes" (DOB) coverage, though this feature usually provides only basic Third Party protection while riding.
