Compare motorbike insurance

Third-party only (TPO)

The minimum amount of cover you are legally required to have. While you might think this is the cheapest option for riders, that is not always the case. It’s a basic level of cover that covers damage to others as the result of an accident deemed your fault. It doesn’t cover your bike for repairs or replacements if it is stolen, damaged or involved in an accident.

Third-party, fire and theft (TPFT)

This gives you the same level of cover as with third-party, but will also cover you for repairs and replacement if it is stolen or damaged by fire.

Comprehensive

Offers one of the highest level of protection you and your bike can get. As well as including cover for other people and their property in the event of an accident, you're also covered for damage to your motorcycle.

Social, domestic and pleasure (SDP or SD&P)

As a social rider you use your bike for fun – bank holiday ride-outs, attending bike shows, bike-fests, café meet-ups or just hitting the open road. Your bike is for the joy of riding and your bike insurance should reflect this.

Many SDP riders only do a few thousand miles a year, and your MOT certificate shows you how many miles you covered last year. Accurately stating your annual mileage can affect your annual premium. Be careful though - your insurance can be invalidated if you underestimate your annual mileage.

Social including commuting (SDPC or SDP inc. C)

This class includes anyone who uses their bike to ride to and from work. People often call it “scooter-commuter” cover, but it's meant for any motorbike used to commute.

As traffic increases on UK roads, the ability to nip down the middle of all those parked cars can be an irresistible lure. If this is you, make sure that you select SDP inc. commuting, so you’re covered for your daily ride to and from work.

Remember - SDPC only covers you for riding your bike to and from one work location If you work in more than one location, you'll need Class 1 cover instead.

Class 1 business use

Does your business have lots of offices that you visit regularly? Or do you have to visit various sites, meet customers in different places, or travel round the country for meetings?

If this is you, then this is the cover you need. It provides insurance for riders who use their bike to travel to different places for work, rather than just between their home and the office.

Courier/delivery/dispatch insurance

Are you a delivery rider or courier, delivering things like fast-food, or Amazon packages? Then this is the cover you'll need. Unfortunately, we don’t offer courier and delivery insurance at Confused.com – you’ll need to go to a specialist insurer for this cover.