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Shopping around for motorbike insurance quotes used to mean contacting dozens of insurance providers, but now with maryaam.com you can compare quotes from a wide range of motorcycle insurance providers after completing just one short form. Our independent and non-biased comparison platform lets you quickly find and compare motorbike quotes from across the UK market, helping you find cheaper motorbike insurance.
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Do I need motorbike insurance in the UK?
Yes, if you have a motorbike then you are legally required to have at least third-party insurance in place in order for it to be road-legal. You’ll only be exempt from requiring insurance if your motorbike is declared off-road with a Statutory Off-Road Notice.
If you ride your motorbike without insurance you run the risk of a £300 fine, as well as at least six points on your licence and potentially disqualification from riding. The police could also seize your motorbike and have it destroyed – so it’s best to ensure you have the right cover in place.
MOTORBIKE INSURANCE
What levels of cover can I get?
Like car insurance, you can take out motorbike insurance in three different levels:.
Third-party only –
Third-party motorbike insurance is the minimum amount of cover you can legally take out for your bike, and it only covers injury to others and damage to their vehicles and property. Your own bike won’t be covered against loss, theft, or damage.
Third-party, fire and theft–
Third-party, fire and theft policies are the next level up, adding cover for your own bike if it’s stolen or damaged by fire – but it still won’t cover you if you’re at fault in a road incident..
Fully comprehensive–
The most advanced level of cover available, a fully comprehensive motorbike insurance policy offers all of the above, as well as damages to your own bike if you cause a road incident, and often a replacement bike if yours is a write-off.
What additional policy options can I include?
While fully comprehensive motorbike insurance policies offer the most extensive of the three options discussed above, most providers offer extras that you can use to bolster your cover. Some of the following may be included as standard with some providers, but it’s always important to check what you’ll covered for before taking out a policy.
When you compare policies with US and our partner Vast Visibility, you’ll be able to look for providers that specifically offer:
Pillion cover –
This covers you for riding with passengers, and you’ll need to have a full motorbike or moped licence in order to legally carry a passenger riding pillion…
Personal liability –
If you’re at fault for damage or injury to a third-party, this will cover any compensation you’re required to pay..
Legal protection–
Legal protection covers the cost of legal fees you might face as a result of a motorbike incident or insurance claim when chasing other parties for compensation.
Helmet and leathers–
This offers extra cover if your helmet or riding leathers are damaged, lost or stolen.
Lost keys–
Key cover insures you against replacing your motorbike keys if yours are lost or stolen..
Breakdown cover–
Though you can take out breakdown cover separately, some providers offer it as an add-on – it ensures you have access to roadside assistance should your bike break down.
Sidecar cover –
This adds cover for riding with a sidecar and passenger alongside your bike..
Wrong fuel–
If you top up your bike with the wrong type of fuel, you’ll be able to claim for the cost of repairs..
MOTORBIKE INSURANCE
How much is motorbike insurance?
There are a range of factors that affect the total premiums you’ll pay when covering your motorbike, so your overall cost will depend on:
Your age
Younger riders are seen as a higher risk to insurance providers, so if you’re under 25 expect higher than average premiums.
Your driving and claims history
If you’ve not been riding for long, or you’ve got points on your licence or any driving convictions, this will likely raise your premiums
The type of bike
The make, model, and engine size of your motorbike can all influence the cost of your motorbike insurance policy – generally speaking, bigger and more powerful bikes are pricier to insure. Electric bikes and classic motorcycles may also cost a little extra
Your annual mileage
The general rule of thumb is the more you drive, the likelier you are to be involved in a road incident – as such your insurance costs will be higher
The bike’s storage and security
Keeping your bike in a garage rather than on the street, as well as securing it with locks, trackers and alarms, can help reduce your premiums
Any modifications you have
Some modifications are likely to increase your premiums as they also increase the repair/replacement cost of your bike, however others such as security modifications may get you cheaper cover
Your excess
Volunteering a higher excess if given the option can bring your premiums down, as it indicates to insurers that you’re less likely to make a claim
How can I get cheaper motorbike insurance?.
Anyone who rides a motorcycle can benefit from the following ways to get cheaper cover, but it’s especially important for younger or more inexperienced riders who often face higher-than-average premiums:.
Secure your bike
If you can keep your bike stored in a locked garage, or at least secure it with Thatcham-approved alarms and locks, this reduces the risk of it being stolen. A such, insurers will often reward you with a discount.
Avoid modifications
Avoid buying a bike that has been modified and don’t modify your own as it is likely to increase the price of insurance unless related to improving security.
Choose the right bike-
Picking smaller motorbikes with less powerful engines are seen as a lower risk of being involved in an incident, and they’re often cheaper to buy and repair.
Build a no-claims bonus-
If you can avoid making claims on your policy – for example, by paying for minor repairs yourself – then you can build up a no-claims discount.
Ditch extras you don’t need-
Stripping away extras you don’t necessarily need, like cover for helmet and leathers, can help reduce the cost further.
Driver fewer miles-
If you can reduce your estimated mileage while still being honest, your insurer is likely to charge less in premiums as your risk factor will drop.
Choose fully comprehensive cover-
Fully comprehensive motorbike insurance policies are generally the cheapest going, as well as offering the best coverage.
Pay annually-
Covering the entire cost of your annual motorbike insurance policy up front often works out cheaper than spreading it over 12 monthly instalments.
Frequently asked questions::
Frequently asked questions.
Does motorcycle insurance cover me when I ride other bikes?
Some comprehensive motorbike insurance policies cover you to ride other motorcycles – normally on a third-party-only basis. Make sure you check your insurance policy before riding someone else’s motorbike though.
If you need to borrow a friend’s motorbike for a short while, temporary motorcycle insurance could be another solution. You can get comprehensive cover for as little as 1 hour up to 28 days.
Can I add other people to my motorcycle insurance policy?
Generally, yes you can. Most insurers should let you add another named rider to your policy. To add another rider, you need to provide the insurance company with some details about their riding history, such as claims and convictions.
Adding a rider to your policy could see your insurance costs go up. As the motorcycle is on the road for longer, there’s a greater risk of making a claim.
Can I transfer my car's no-claims bonus to my motorbike?
Some insurance companies let you transfer your car’s no-claims bonus over to your motorbike policy, but many don’t. If in doubt, check with your insurer before you commit to buying a policy.
You can only use your car’s no-claims bonus on one vehicle at a time. So, if your no-claims bonus is currently on your car, you can’t use it on your motorbike.
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Does motorcycle insurance cover modifications?
Most insurance companies cover modifications that don’t affect performance under a standard policy.
If this is the case, your insurer should provide a list of modifications you don’t have to tell them about on their website. You must declare all other modifications to the insurer. This could make your insurance costs go up.
How does no claims bonus work for motorbikes?
If you don’t make any claims on your insurance during the course of your policy then you begin to build up no-claims bonus. You can build this up if you have Comprehensive, Third Party, Fire and Theft or Third Party insurance.
You could lose your no-claims bonus if you’re involved in an accident with an uninsured rider or driver. This is also the case if your bike is stolen, and you have to make a claim on your insurance.
Some insurers might ask you for proof of your no-claims bonus – you should be able to get this from your previous or current insurer. You should have the option to pay extra to protect or guarantee it. The terms of these extras can vary between insurers, so check your policy before buying.
Can I insure more than one bike?
Yes, a multi bike insurance policy can be cheaper than buying individual policies for different motorbikes. This cover can enable you to ride multiple motorbikes on a single policy.
If you have multiple motorbikes for different purposes it can be a useful and cost-effective option. For example, a 50cc motorbike for commuting and a 125cc motorbike for leisure.
What’s normally excluded from motorbike insurance?
Wear and tear: This can include scratches and rust that are caused by everyday use
Negligence: One example could be leaving your keys in the motorbike unoccupied leading to theft
Intentional damage: If you, or anyone else acting on your behalf damages the bike on purpose
Riding under the influence: Riding your motorbike under the influence of alcohol or drugs is illegal and you won’t be covered
Racing and track days: If you’re planning on racing with your motorbike on a track, you’ll need insurance from a specialist provider
FREQUENTLY ANSWERS
Frequently asked questions:
What is CBT?
CBT stands for compulsory basic training, and it refers to a course you must take before riding a motorbike or moped legally on UK roads. It’s valid for two years after completing it, and it qualifies you to ride a moped if you’re 16 and over, or a motorcycle up to 125cc and 11kW if you’re 17 and over..
Can 16-year-olds ride scooters and mopeds?
16-year-olds can ride mopeds and scooters if they have passed their compulsory basic training (CBT), but it is limited to 49cc and a maximum speed of 28mph. You won’t be able to carry passengers or drive on motorways, and you must always have L-plates on display.
Does motorcycle insurance cover modifications?
Some providers may include cover for some modifications but not all, while others may only offer cover as an additional option. However you can also look for specialist insurers to cover your powered two-wheeler if you need to.
Adding ‘bling’ to your bike can usually be covered. But any modifications that increase the power or speed or your motorbike will be considered a higher risk factor and will probably bump up your premium.
Understand your energy bills
Cut through the jargon and get help understanding your energy bills. The key things to be aware of are:
- Your tariff: your bill will show you the name of your tariff
- Comparison rate: this highlights how much your tariff costs, so you can compare the rate
- Energy consumption: how much electricity or gas you’ve used in kilowatt hours (kWh)
- Terms and conditions: this is where you’ll find details such as any notice period, the conditions of your current price plan and everything else
Does motorcycle insurance cover punctures and wheel damage?
Depending on the provider you choose and the policy you take out, you may or may not be covered for things such as punctures and tyre/wheel damage. You should always read the provider’s policy documents before taking out a deal so you know what their insurance deal covers.
Does motorcycle insurance cover me when I ride other bikes?
Some insurers offer ride-any-bike policies as part of their motorcycle insurance – which will cover you for when you want to borrow a friend’s two-wheeler. But you are likely to be covered for third-party only damage. If you crash your mate’s motorbike, you will have to pay for its repairs.
Can I add other people to my motorcycle insurance policy?
Many insurers will let you add additional drivers to your policy, though it can often lead to an increase in premium costs.
Can I carry passengers with motorcycle insurance?
Whether you’ll be covered if you have passengers – known as pillion cover – will depend on your insurer and the policies you’ve taken out. However it also depends on if your motorcycle licence allows you to carry passengers.
If you commit not to carrying pillion passengers you might get a discount.
Can I protect my no claims discount?
Depending on your policy and provider, you may have the option to add protection for your no-claims bonus to your motorbike insurance policy. This extra cover will allow you to make claims on your insurance policy up to a certain amount without it affecting your no-claims bonus.
Will my motorcycle insurance cover me abroad?
A standard motorcycle insurance policy includes cover for driving in Europe as standard. However, your policy may limit the cover available to you. The pay-outs may be reduced when you make a claim abroad or your cover may be time limited.
Depending on your provider, you may have options to extend your policy’s cover outside of the UK to cover more of what you need. Check your policy documents or contact your chosen insurance provider for further details.
MOTORCYCLE INSURANCE
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Frequently Asked Questions
Classic car
There’s no one definition of a classic car, but insurance providers consider it to be one that’s at least 15 years old.
We can help you find car insurance cover for your classic, provided it was manufactured from 1970 onwards.
Classic car
There’s no one definition of a classic car, but insurance providers consider it to be one that’s at least 15 years old.
We can help you find car insurance cover for your classic, provided it was manufactured from 1970 onwards.
Classic car
There’s no one definition of a classic car, but insurance providers consider it to be one that’s at least 15 years old.
We can help you find car insurance cover for your classic, provided it was manufactured from 1970 onwards.
