If you own a motorbike, you are required to insure your bike to ride it in public places. We compare over 20 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
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.
When working out the cost of premiums, motorbike insurance companies will take into account different factors to make the calculation:
History of riding
Age of rider
Amount of voluntary excess
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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