All Motorbike Insurance
RAC Bike insurance
Carole Nash Motorcycle Insurance
UK & European breakdown and accident recovery, including Homestart (worth over £100 when compared to other providers). Up to £100,000 legal expenses cover in the event of an accident which is not your fault. Up to 90 days European cover. Up to 10% off for insurance-approved security. Rider Cover® - Provides accidental damage cover when riding your mate’s bike. Unlimited bike accessory cover.
Bennetts Motorcycle Insurance
Trusted by riders for 85 years. 24 hour UK based specialist Claims Team. 90 days EU cover included as standard. 5 Star Product (as rated by Defaqto). 16 of the most common modifications covered as standard. Plus, enjoy a range of essential savings for bikers, with Bennetts Rewards.
AA Motorcycle Insurance
Choose from comprehensive, third party fire and theft, or third party only insurance. Discounts are available based on your no-claims record, parking security and riding experience. Tailor your insurance with AA optional extras – from Legal Expenses Cover and Bike Hire, to Excess Protect and Personal Accident cover.
BMW Motorrad Insurance
A 2nd rider insured free of charge. Travelling in the EU? 365 days full policy cover included as standard. Preferential rates on additional bikes. Free personal possessions cover (e.g. Helmet and leathers) for accidental damage and theft up to the value of £2,000. An introductory No-Claims Discount available. Free 2 day insurance cover on courtesy BMW Bikes from BMW Motorrad Retailers. Reduced mileage discounts. Cover for track day events arranged by BMW (UK) Ltd or an Authorised BMW Motorrad Centre. Cover for test rides arranged with an Authorised BMW Motorrad Retailer. Free legal expenses, up to £100,000.
What type of motorbike insurance do I need?
When choosing the right insurance cover for your motorbike, you should first think about the level of cover you need. In the UK, you can choose from the following levels of cover: fully comprehensive, third party, fire and theft or third party only. Most choose comprehensive cover because it offers the greatest level of protection for your motorbike, yourself and other road users.
When you are comparing quotes, you should consider the extra benefits you’d like your motorbike policy to have and whether you are able to customise your policy to include them. Many insurers include cover for helmets, clothing and other accessories. Some will also add UK breakdown cover so that you get roadside assistance if your bike breaks down while you are on the road. Most insurance companies will include cover for riding your bike abroad, but the length of time you are covered may vary. You should check your policy to see whether these extras are included as standard or if you have to pay more for them.
Most insurance policies will last for one year, although you can choose to leave your policy early if you’re willing to pay a cancellation fee or take out a short-term policy that can last just a day or a few weeks.
FAQs about motorbike insurance
Is motorbike insurance different to car insurance?
Both van insurance and car insurance cover the same things, however, motorbike insurance is often cheaper because they can cause less damage.
Can I ride a motorbike without insurance?
No. In the UK it is a legal requirement to have at least third party insurance cover.
What affects the cost of my motorbike insurance?
If you are considered a high risk, you’ll be charged a higher premium because insurers will see you as being more likely to have an accident and make a claim. Your age, driving experience and engine size are some of the factors taking into consideration to determine how much of a risk you will be.
Is it cheaper to pay motorbike insurance annually or monthly?
To avoid paying interest, you should pay for your motorbike insurance annually.
How long does motorbike insurance last?
Most policies will last for one year, although you can choose to leave your policy early if you’re willing to pay a cancellation fee or take out a short-term policy that can last just a day or a few weeks.
Does my insurance cover a passenger?
It depends on your policy so you’ll need to check whether it’s included as standard or if you’d have to pay extra. This is known as pillion insurance cover. If you don’t have the appropriate cover and you're considering carrying a passenger on your motorbike, then you must inform your insurer. You could risk voiding your policy for riding without the appropriate insurance cover.
Will I be covered for competitions or racing?
No, unfortunately, this is excluded from most motorbike insurance policies.
Can I get cover for vintage or specialist motorbikes?
Yes, you can get cover for vintage or specialist motorbikes but the choice may be limited.