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What are the different types of Motorbike insurance covers I can take out?

There are three different types of motorbike insurance policies you can choose from, namely -

  • Third party motorbike insurance cover it is the minimum legal required cover as it protects the policyholder against damage costs to a third party’s vehicle or property.

  • Third Party fire and theft motorbike insurance cover in addition to third party motorbike insurance it provides additional cover against your bike being stolen or damaged in a fire.

  • Comprehensive motorbike insurance cover mainly known as full comprehensive motorbike cover, provides insurance protection for your vehicle as well as the third party costs.

What are the different factors which may affects my motorbike insurance premium?

There are a number of factors which may affect your motorbike insurance premium, such as -

  • Your age
  • The area you live in
  • Usage / Mileage per annum
  • Purpose of motorbike
  • Motor bike claim history
  • Type of the motorbike
  • Modification on the motorbike
  • Security system installed

It’s time to compare motorbike insurance

If you own a motorbike, you are required to insure your bike to ride it in public places. We compare over 23 bike insurance providers to find cheaper bike insurance for you and it quick and easy which makes it easy for you to understand quotes from various providers.

Whether you are looking for a renewal quote, you are looking to upgrade your existing motorbike or you are looking to buy a new bike we can help you compare motorbike insurance. Below you can read frequently asked question by customers about comparing motorbike insurance.

Motorcycle insurance checklist

  • Every motorcycle in the UK is required to have bike insurance
  • It is Illegal to ride without it
  • Compare different policies with us very quickly and easily
  • Don’t auto renew as you will never get the best price

Compare different types of bike insurance

Motorbike insurance

Everything you need to get out on the road and enjoy your motorbike the general insurance offers;

  • Comprehensive motorbike cover
  • Easy payment options including direct debit - even for 16 year olds (subject to guarantor)
  • Up to 180 days' European travel, starting with up to 30 days per trip and moving up to 90 days per trip
  • Great rates for riders with zero no claims bonus
  • Riders with motoring convictions covered

Classic motorbike insurance

a bit like classic car insurance, it must have been registered for more than 40 years to classify as classic bike.

Cover options:
  • Comprehensive bike cover
  • Agreed values cover
  • Limited mileage discount cover

Moped and scooter insurance

usually for first-time bikers who own smaller engine size motorbikes, such as scooters and mopeds.

Cover options:
  • Comprehensive cover
  • Third party fire and theft
  • Third party only cover

Off road bike insurance

Provides protection for motorbikes which are used in competitions or in outdoor activities.

Cover options:
  • Limited mileage insurance
  • Bike break down cover
  • Personal injury cover
  • Accidental damage cover

Quad bike insurance

it provides cover for 4 wheels motorbikes which are used for sports, fun activities and agriculture purposes.

Cover options:
  • Cover for multiple riders
  • Cover for pillion
  • Cover for business use and recreational use
  • Break down and legal cover

Break down cover for bikes

A bit like car break down cover, you can get breakdown cover for your bike.

Cover options:
  • Bike road side assistance
  • Nationwide recovery
  • Onward journey
  • Home smart
  • European cover

There are main four different types of motorbike use

  • Social, domestic and pleasure Also known as SDP and SD&P. As the name suggests, you are allowed to use your motorcycle for social, domestic and pleasure while you are insured under SDP cover.
  • Social including commuting Also known as SDPC and SDP inc. C and sometimes also known as scooter- commuter. You are allowed to use your motorcycle to commute to work and from work.
  • Business use class 1 if you use our motorbike for business purposes such as traveling to meetings by using your bike then you are required to insure your bike under class 1 business use.
  • Delivery, courier and dispatch - if you are a courier or a delivery driver, delivering things like small packages, fast food then you are required to have this cover.

Things to consider when comparing motor cycle insurance

  • Security for your bike Good security can help reduce premium for your insurance. Insurer will look at where and how bike is parked and will price accordingly. If bike parked in location which is not easily accessible then you are likely to get cheaper bike cover.
  • The use of your bike Premium varies based on how you tend to use your bike, for example: social, delivering food or a courier service. It has main 4 classes where you can pick from when comparing and insuring your bike.
  • Types of bike Your bike make, engine size, model and bike age will influence premiums. If any modification, you are required to take out specialised insurance policy based on specifications and it can be very expansive.

Motorbike Insurance Frequently asked questions

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.

As with most vehicle insurance, there are three main types of cover: comprehensive, third party, fire and theft and third party only. The most favourable rates are not always for third party policies and the cover they provide can be quite limited. It’s a good idea to shop around and find the best deal to suit your needs. Telematics policies for motorbikes have still not had significant appeal.

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 compulsive 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, visitGov.UK website

You may find your comprehensive cover will be permitted for another bike with the owner’s permission; another option is to buy an add-on for your policy. It is recommended you read through your Terms and Conditions.

Ideally, yes. However, if your motorcycle has been declared SORN (Statutory Off Road Notification) and this has been registered with the DVLA, you won’t have to. Short-term motorbike insurance is worth looking at for various options.

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.

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.

Policies differ so it is best to ask your insurer. However, although it will be cheaper not to insure for passengers, it is illegal to take a passenger if you have no insurance for pillion passengers.

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.

It’s best not to make the assumption that your policy covers your riding gear. Different companies offer different levels of protection so check out the details with individual insurers. Taking out helmet and leather insurance may be your best option.

Read our guide to European cover as policies vary. You may only be covered for certain countries; you need to be aware of the number of days for which you have continuous cover and whether the protection is identical to your UK cover.

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.

Unfortunately we cannot issue a scooter insurance quote to anyone under the age of 16. The insurance companies are not in agreement for us to provide quotes for those under 16 years of age.

A scooter is defined by The Motorcycle Industry Association (MCIA) as having an engine that is a working part of the rear suspension, or a chassis that’s a step-through type. This criteria is independent of engine capacity or wheel size.

A motorised two-wheel vehicle with an engine capacity of less than 50cc and a top speed of approximately 31mph is the definition of a moped.

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.

These type of vehicles need to be considered separately from motorbikes. Find out more here: insuring a three-wheeler and quad-bike insurance.

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