Compare Quotes from Over 25 UK Providers
Use the quote tool on this website to compare motorbike insurance options from a wide panel of trusted UK insurers. Depending on your individual circumstances, you could find cover for less than £285.*
Compare quotes from 25+ UK motorbike insurers
Simple, secure, FCA-regulated quote tool
Suitable for a wide range of bikes and rider profiles
The comparison service is provided by Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 313860).
Compare quotes with 25+ UK bike insurance providers
You could pay less than £285*
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in January 2025 were quoted less than £284.82. The price you could achieve is dependent on your individual circumstances.
Compare Quotes from a Wide Range of UK Motorbike Insurers
Why Compare Motorbike Insurance?
Using this quote tool allows you to view quotes from over 25 UK motorbike insurers. It's a quick and convenient way to explore options tailored to your needs.
1. Fast & Secure
Submit one quick form to see quotes in minutes.
2. Wide Range of Providers
Quotes are shown from a panel of 25+ UK motorbike insurers via a regulated quote service.
3. FCA Regulated
The quote service is provided by Seopa Ltd, authorised and regulated by the Financial Conduct Authority (FRN: 313860).
What Affects the Cost of Motorbike Insurance?
Many factors can influence the price you're quoted for motorbike insurance. Understanding these may help you compare policies more effectively.
1. Bike Model & Engine Size
Higher-performance bikes are often placed in higher insurance groups.
2. Rider Age & Experience
More years of riding may be viewed as lower risk by insurers.
3. Riding History
No-claims bonuses and claim history may affect your quote.
4. Storage Location
Insurers may consider where your bike is kept overnight when setting a price.
5. Annual Mileage
Lower mileage is sometimes associated with reduced risk.
6. Security Features
Devices like alarms or immobilisers may influence your premium.
This content is for editorial purposes only and does not constitute financial advice.
What Is Motorbike Insurance?
Motorbike insurance offers financial protection for you, your bike, and others while riding on UK roads. It helps cover the cost of damage, theft, or accidents — and is a legal requirement if you're riding any motorbike, scooter, or moped in the UK.
At minimum, riders must have third-party cover. This ensures that if you're found at fault in an accident, the cost of damage or injury to others is covered. Additional levels of cover — including third-party fire & theft and fully comprehensive — offer broader protection depending on your needs.
By using the quote tool available on this website, you could be offered motorbike insurance for less than £285*, depending on your individual circumstances.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd in January 2025 were quoted less than £284.82. The quote price you may be offered will depend on your individual circumstances. This content is for editorial purposes only and does not constitute financial or legal advice.
Types of Motorbike Insurance Cover
Motorbike insurance in the UK is generally available in three main types. The level of protection and the cost of your premium will vary depending on the cover you select.
Comprehensive Cover
Offers a broad level of protection for both you and others. This is generally considered the most extensive level of cover available.
- Damage to your own motorbike in an accident (even if you're at fault)
- Protection for fire damage and theft
- Cover for third-party property damage and personal injury
- Some policies may include extras such as windscreen repair
Third Party, Fire & Theft
Provides cover for third-party claims, and adds protection if your motorbike is stolen or damaged by fire.
- Fire damage or theft of your motorbike
- Cover for third-party property damage
- Third-party injury liability
- Does not cover your own motorbike if you're at fault in an accident
Third Party Only
This is the minimum level of insurance legally required to ride a motorbike on UK roads.
- Cover for third-party property damage
- Protection against injury claims from other road users
- Does not cover damage to or theft of your own motorbike
This content is for editorial purposes only and does not constitute financial or legal advice.
Tips That May Help Reduce Your Motorbike Insurance Premium
Some riders may be able to influence the cost of their premium based on certain personal and vehicle factors. Below are some commonly considered areas that insurers take into account when setting prices.
Enhance Security
Secure storage, alarms, and approved locks may help reduce the risk of theft in the eyes of insurers.
Build a No-Claims Discount
Some insurers may offer discounts to riders who have remained claim-free over time.
Pay Annually
Paying for your policy annually often helps avoid interest charges that can apply to monthly instalments.
Consider Advanced Rider Training
Courses such as IAM RoadSmart or ROSPA may be recognised by some insurers and could result in a lower premium.
Choose a Standard Bike Model
Motorbikes with smaller engines and minimal modifications are often placed in lower insurance groups by insurers.
Use the quote tool on this website to view options from over 25 UK motorbike insurance providers via a regulated service.
Get Your Quotes NowThe quote service is provided by Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 313860).
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Motorbike Insurance FAQs
Explore general answers to common questions about motorbike insurance. Always refer to your policy documents for specific details.
Can I lower the cost of motorbike insurance?
Insurance quotes are influenced by various factors, including the bike type, rider history, mileage, and security measures. Some insurers may consider advanced rider qualifications, a no-claims history, or annual payment methods when calculating a premium.
What's the difference between comprehensive and third-party motorbike insurance?
Third Party Only (TPO) covers liability to others. Third Party, Fire & Theft (TPFT) adds cover for your bike in case of fire or theft. Comprehensive typically includes all of the above, plus protection for damage to your bike, even if you're at fault.
Does my policy include helmet and protective gear?
Most policies do not include cover for riding gear by default. Some insurers may offer optional extras for items like helmets, gloves, or jackets. Coverage limits and terms vary by provider.
Do I need to declare modifications?
Yes, all modifications — whether cosmetic or performance-related — should be disclosed to your insurer. Undeclared changes may invalidate your policy. Some insurers specialise in non-standard bikes and may offer tailored coverage options.
Can I insure multiple bikes on one policy?
Some insurers offer multi-bike policies, allowing several bikes to be insured under one plan. These typically require the same registered address and main rider. Availability and conditions will vary depending on the insurer.
Will advanced rider courses affect my premium?
Some insurers may offer discounts to riders who complete advanced courses such as IAM RoadSmart or RoSPA, though this varies by provider.
Is European riding covered by UK motorbike insurance?
Most UK motorbike policies include basic third-party cover for short trips within EU countries. However, time limits and coverage levels vary. Additional European cover may be available as an add-on for longer trips or enhanced protection.
What is pillion cover?
Pillion cover refers to insurance that provides liability protection when carrying a passenger. This may not be included by default and could require an add-on, depending on the provider. Riders must hold a full license to legally carry passengers.
This content is for editorial purposes only and does not constitute financial advice.
Ready to Compare Motorbike Insurance?
Use the quote tool on this website to view options from over 25 UK motorbike insurance providers via a regulated service.
Get Your Quotes NowThe quote service is provided by Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 313860).