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  • Save time and money. 50% of policies cost less than £235*

  • We compare up to 41 motorbike insurance providers1

  • We're rated 'Excellent' on Trustpilot

*50% of Confused.com customers paid less than £235.24 for motorbike insurance in March 2024.
1Correct as of March 2024

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Tell us about yourself, your motorbike and what type of insurance you need

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We'll show you personalised offers from up to 41 insurers

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Choose your policy, including any extras, then go ahead and buy

If you can't find your motorbike model, our partners can help quote you over the phone: 0330 022 8195.

Why motorbike insurance matters

Motorcycle insurance is a mandatory legal requirement in the UK. If you own a motorbike, you must at least have third-party insurance cover. Riding without insurance is against the law and can result in penalties, fines, and even the confiscation of your motorbike.

Besides the legal aspect, insurance provides financial protection in case of an accident, as well as the costs associated with injuries and damage to property.

What are the different levels of cover?

The level of cover you choose impacts what you’re covered for, as well as how much you pay. There are 3 levels of cover you can choose from:

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Third-party insurance is the minimum you must have by law. It only covers the cost of damage you cause to others in an accident, not your own motorcycle.

If your motorbike gets stolen, or damaged in an accident, you have to pay for the repairs or a new motorbike yourself.

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Third-party, fire and theft

Third-party, fire and theft offers the same benefits as third-party, but it also covers repair or replacement costs.

This level of cover could protect you if your motorbike is stolen or damaged during an attempted theft, or damaged due to a fire.

Shield icon comprehensive


Comprehensive offers one of the highest levels of protection, and is often the cheapest option.

As well as covering other people and their property in the event of an accident, you're also covered for damage to your motorcycle.

Save time and money. 50% of policies cost less than £235*

How much is motorbike insurance?

The average price of comprehensive motorbike insurance is £362**.

Motorcycle insurance tends to get cheaper as you get older. From an insurer's point of view, older riders tend to be more experienced and are less likely to have an accident. But age is just one of multiple factors that affect the price of your insurance:

  • Your age: Insurance providers know that young riders are statistically more likely to be involved in an accident.
  • Your job: Some professions are considered a bigger risk than others. For example, your job involves spending a lot of time on the road such as a delivery driver.
  • Engine size: Powerful superbikes are likely to be more expensive to insure than bikes with modest engines due to their capable speeds.
  • Security: Storing your bike securely when not in use is likely to reduce what you pay. Security features like a lock can also bring the cost down.
  • Claims history: Every year you ride without making a claim, you earn a year no claims discount (NCD). This can reduce the cost of your insurance.
  • Annual mileage: The more often you ride, the likelier you are to have an accident. You could pay more if you commute to work during busy hours.

Average cost of motorbike insurance**

Comprehensive insurance


Third-party, fire and theft


Third-party only


**Based on average premiums paid by Confused.com customers, March 2024

What you need to get a motorbike insurance quote


Details about your motorbike

  • Motorbike registration or the make and model
  • The year your motorbike was manufactured
  • The estimated value of your motorbike
  • Any modifications made to your motorbike
  • The motorbike security devices you have
  • Where you keep your motorbike

Rider details

  • Your licence type and how long you've held it
  • Estimated yearly mileage
  • Details of any claims or convictions
  • Your occupation
  • If you'll use your motorbike for commuting or social purposes
  • Details of any additional riders

New models and imported motorbikes can sometimes be difficult to find, and some models might be under a slightly different name. If your details are correct, and you still can't find your motorbike, try our contact form - we're happy to help.

If you're looking to make a claim, make sure you have all the information your insurer needs at hand.

Why use Confused.com?

  • We're FCA regulated

    Just like the 41 motorbike insurance companies1 we work with. This means that we follow their strict operational guidelines to do things right for you. So when you use our site, you know you're in safe hands.

  • Renewal reminders

    We'll send you reminders when your policy is due, so you never miss the best time to compare.

  • UK-based customer support

    If you need help, our Cardiff-based team is here to support you. Visit our contact page to get in touch.

  • We're not owned by an insurer

    Unlike some of our competitors, we're 100% impartial and independent of any insurer. That means the prices we show you are based entirely on the details you give us.

Top tips for cheaper motorbike insurance

Shop around

The easiest way to save money is by comparing quotes. We compare up to 41 different insurance providers1 to help find cover that suits your needs and budget.

Pay annually

Insurers charge interest when you choose to pay monthly, so if you can afford to pay annually it's the cheaper option.

Accurately estimate your annual mileage

The more miles you do, the more insurance tends to cost. If you're overestimating your mileage, you may be paying more than you need to.

Increase your voluntary excess

In some cases a higher voluntary excess can reduce what you pay. But make sure you can afford the excess amount as you'll need to pay this if you make a claim.

Assess your optional extras

Don't pay for additional extras if you don't need them, check if your policy can be amended to reduce the price.

Take a motorbike course

Some insurers could offer you a discounted policy if you've completed an advanced riding course like the BikeSafe certificate or BMF Blue Riband course.

Increase security measures for your motorbike

Some insurance companies offer cheaper insurance if there's a security device fitted to the motorbike. This includes any locks, alarms, immobilisers or trackers.

We compare up to 41 trusted insurance companies1 to get you our cheapest deal

See all companies
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What our motorbike insurance expert says

"Your renewal price might often not be the cheapest deal you can get. Don't let your policy auto-renew without shopping around first.

"Comparing prices with us and online is the best way to easily save on your bills, and it only takes a few minutes to see prices from up to 41 insurers."

Louise Thomas, Motor Insurance Expert at Confused.com
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Classes of use for your motorbike cover

Social only

Choose this option if you use your motorbike for social and leisure rides.

This can include riding with friends or going to the shops, but not for any commuting or work-related purposes.

Social and commuting

This covers you for social riding and commuting to a single permanent place of work.

If you regularly travel to more than one place of work, you'll have to consider business use cover instead.

Business use

Suitable for riders who use their motorbike for travelling to multiple locations for work purposes.

Cover is available if you are the only rider or if you want to add any named riders to the policy. It doesn't cover you for use as a courier.

Delivery use

Suited for drivers who carry and deliver goods as a courier or delivery rider.

Even if you're not carrying goods, many insurers could consider professions such as a door-to-door sales role as delivery use.

Optional extras to enhance your cover

Insurance companies might include some of these add-ons as part of their policy. But if they're not included they come with an extra cost.

Breakdown cover

Provides you with roadside assistance if your motorbike breaks down. There are different levels to choose from including roadside recovery, onward journey and home start.

Personal accident cover

Also known as personal injury cover, this provides you or your family with financial support if you're injured or die in an accident. The level of cover could vary between insurers.

Legal protection

Offers financial protection against legal fees if you're involved in an accident that wasn't your fault. This may include personal injury, excess recovery and loss of earnings.

No-claims bonus protection

No-claims bonus protection is designed to stop you from losing all the years of no-claims discount that you've built up. The number of NCB years you've built, and number of claims you can make without losing it vary depending on the insurer you choose.

Pillion cover

Pillion cover insures you to carry a passenger on your motorbike. It can insure your passenger for personal injury in the event of an accident during the ride. If you hold a provisional licence you can't get cover to carry passengers.

Insurance companies might include some of these add-ons as part of their policy. But if they're not included, you'll have to pay extra.

Types of bike insurance

Multi bike insurance

Multi bike insurance

Get a multi bike quote to cover all of your bikes on the same policy.

Quad bike insurance

Quad bike insurance

For those riding on four wheels for sport, agricultural or fun.

Scooter and moped insurance

Scooter and moped insurance

Cover for bikes with small engines, commonly associated with first-time bike users.

Trike insurance

Trike insurance

Protection for your three-wheeled pride and joy.

Motorbike guides

Motorbike tax explained

Motorbike tax explained

You can tax your motorbike online, by phone or by visiting the post office. You'll need your V11 form and your MOT if you're taxing it at the post office.

How to cancel your motorbike insurance

How to cancel your motorbike insurance

You should be able to cancel your motorbike insurance policy at any time, but you might have to pay an admin fee. Here's what you need to know.

Touring Europe on a motorcycle: What you need to know

Touring Europe on a motorcycle: What you need to know

Nothing beats the freedom of taking your wheels out for a ride on the continent. Take a look at our tips for a touring Europe on a motorcycle.

How to get your motorbike licence and pass your CBT test

How to get your motorbike licence and pass your CBT test

We take a look through every step of becoming a biker - from getting your motorbike licence to taking your theory test, passing your CBT test and beyond.

See all motorbike guides

Need more help?

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.

How does no claims bonus work for motorbikes?

Motorbike insurance companies look at several factors to give you an insurance price. Some of the bigger factors include:

  • Your age and riding experience
  • Your riding history, including previous convictions or points on your licence
  • Any previous claims you’ve made
  • How much no-claims bonus you have
  • How much voluntary excess you’re willing to pay
  • Where you keep your motorcycle the majority of the time
  • Your motorbike’s make, model, type and engine size
  • What security the motorbike has – including locks, alarms and trackers
  • How you use the motorbike, whether it’s for social, commuting or business use

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.

For more information, take a look at our guide on modified motorbike insurance.

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 ride my bike abroad?

Most insurers should include some form of cover with a comprehensive policy for at least 30 days in Europe. You must check with the insurer directly to confirm this.

Standard comprehensive policies tend to give you third-party cover in Europe, this covers other riders and their property, not your own.

For more information, take a look at our guide on touring Europe on a motorcycle.

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.

Visit our multi-bike insurance page to find out more, and get a quote.

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

Page last reviewed: 04 April 2024

Reviewed by: Louise Thomas

Confused.com motorbike insurance is administered by Vast Visibility Ltd who are authorised and regulated by the Financial Conduct Authority under firm reference number 566973. Vast Visibility Ltd is registered in England & Wales No. 05866769 at office: 8 Princes Parade, Liverpool, L3 1DL. Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from Vast Visibility Ltd which is a percentage of the total commission if you decide to buy through our website. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.