Compare Cheap Motorbike Insurance Quotes

When working out the cost of premiums, motorbike insurance companies will take into account different factors to make the calculation:

• Usage
• History of riding
• Your location
• Age of rider
• Amount of voluntary excess
• Annual mileage
• Place where you keep your motorbike.
• Model of motorbike
• Level of security

You can find out more in our beginners’ guide to bike insurance.

Insurance premiums for motorbikes are calculated based on various factors, including the type of bike, your riding history, years of experience, claims bonus, and the cost of your insurance package. Insurers use these factors, along with statistical data and risk assessment, to determine your premium cost. While insurance premium calculators can provide an estimate, the final premium is determined by the insurance company based on their risk assessment. It's important to provide accurate and up-to-date information when obtaining insurance quotes to ensure an accurate premium calculation. By understanding the factors that influence premium cost, riders can make informed decisions and potentially lower their insurance premiums.

Yes, it is possible to insure multiple bikes with the same insurance provider. Many insurers offer multibike insurance policies that cater to riders who own multiple motorcycles. This type of policy allows you to cover all your bikes under one policy, simplifying the insurance process and potentially saving you money. Whether you own multiple motorbikes for personal use, collectors' bikes, or bikes for different riding purposes, such as commuting and leisure, multibike insurance provides comprehensive coverage for all your motorcycles. By insuring multiple bikes with the same provider, you can achieve cost savings and streamline your insurance experience.

Whether you can ride another person's bike on your insurance policy depends on your specific insurance coverage. Most comprehensive insurance policies will allow you to drive another person's motorbike, but not all do so check with your insurance provider. Additionally, some third-party, fire and theft policies will also cover you on someone else's bike, but again you should check with your insurer to be certain you have the necessary coverage.

Yes, there is insurance available for young riders who have recently obtained their motorcycle license. As young riders generally face higher insurance premiums due to their perceived higher risk, insurance providers offer specialised policies tailored to their needs. These policies take into account factors such as age, experience, and the type of motorbike being insured. For young riders, it is essential to shop around, compare insurance quotes, and consider additional safety precautions, such as additional training, in order to secure the best insurance policy for their needs.

You can often add another person to your motorbike insurance policy, such as a spouse, family member, or friend, but the specifics may vary depending on your insurance provider. Adding an additional person to your policy typically requires specifying them as an additional rider or main rider, depending on their level of usage of the motorbike. This additional cover may result in adjustments to your insurance premium, as the insurance company will consider factors such as the additional rider's age, riding history, and claims bonus eligibility. It is essential to discuss this with your insurance provider and check the policy documents to ensure that your additional rider is appropriately covered.

Bike modifications, such as aftermarket accessories, tuning, or customisation, can impact your motorbike insurance coverage. While some insurers may provide cover for certain modifications, others may not include them in their standard policies. It's important to check your policy documents or speak with your insurance provider to understand the extent of coverage for bike modifications. Additionally, you may need to inform your insurance company about any modifications made to your motorbike, as failure to disclose changes could result in claim denial or policy cancellation. Understanding the coverage for bike modifications in your motorbike insurance policy can help ensure comprehensive protection for your modified bike.

When it comes to using your motorbike abroad, it's important to check your insurance policy. Different policies have different coverage for riding in other countries. Make sure you have the necessary documents and are aware of the driving laws and regulations in the country you're visiting.

Passenger coverage in your motorbike insurance depends on your policy. Some policies include it, while others may not. To understand what's covered, review your policy and speak with your insurance provider. If passengers aren't covered, you may need additional coverage or liability waivers.

Yes, it is possible to lower your motorcycle insurance premium. One way is by choosing a higher excess, which typically leads to lower premiums. Additionally, maintaining a clean driving record and completing a safety course may make you eligible for discounts. Don't forget to compare quotes from different insurance companies to find the best deal.

CBT is the abbreviation for Compulsory Basic Training; all riders of motorbike and mopeds must have this before setting out on the road. Occasionally, it is not compulsory if you have possessed a valid driving or moped licence for a long time; however, it is best for all riders to have a CBT. For more information, visit Gov.UK website.

Your NCB only applies to a single motorbike; you can transfer it to an alternative bike, for example when trading in your bike and buying a new one, but it will not be valid on an additional motorcycle or another vehicle.

There are some providers who will offer discounts or permit you to replicate your no claims bonus on a second motorbike; it is best to check on various incentives with individual insurers.

Sixteen year olds who want to ride a moped or a scooter on the road must be in possession of a valid provisional licence; it is mandatory to have completed a CBT course, and L-plates must be displayed (known as D plates in Wales). You are forbidden from carrying a passenger or riding on a motorway.

Imported motorbikes are subject to the same criteria as other vehicles and need to have valid insurance cover before taking out onto the road. Parallel imports are usually simple to get insured, whereas grey imports may be more difficult. If you enter your details in our simple, user-friendly process for obtaining a quote, you can obtain a list of insurers who can offer a quote.

When you take out motorbike insurance, you will need to declare how you intend to use your bike. The main options for usage are social, domestic and pleasure; you may need an add-on or different policy for commuting, business use, courier and delivery. Find out more here: insuring a motorbike for work use.

There are some insurance providers who may permit you to use your NCB from your car on your motorbike; however, this is unusual and the reverse of transferring motorbike NCB to car is not permitted.