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  • Save time and money with policies starting at £332*

  • We compare up to 39 motorbike insurance providers1

  • We're rated 'Excellent' on Trustpilot

*Based on Confused.com data June 2023, average price quoted for motorbike insurance.

1Correct as of November, 2023.

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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 39 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

First and most importantly, motorcycle insurance is a legal requirement in the UK. All motorbike owners must have at least 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

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. It also covers repair or replacement costs if your motorbike is stolen or damaged by fire.

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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 with policies starting at £332*

How much is motorbike insurance?

The average price of comprehensive motorbike insurance is £332*.

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.

*Confused.com data June 2023.

Average cost of motorbike insurance*.

Comprehensive insurance

£332

Third-party, fire and theft

£471

Third-party, fire and theft

£553

*Based on Confused.com data, June 2023

What you need to get a motorbike insurance quote

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Details about your motorbike

  • Motorbike registration or the make and mode
  • 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
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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.

Why use Confused.com?

  • We're FCA regulated, just like the 361 motorbike insurance companies 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.
  • 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.
  • 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.
  • Whatever you do on our site, it’s always free for you to use. After you’ve bought a policy through us, the insurance company pays us a fee for getting them your business.

Top tips for cheaper motorbike insurance

If you're looking to save some money on your motorbike insurance, here are some helpful tips:

  • Shop around. Comparing motorbike insurance policies is the easiest way to save money. We compare up to 39 to help find you a policy 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.
  • Increase your voluntary excess. Sometimes a higher voluntary excess can reduce your prices. But remember you need to pay this amount if you need to make a claim.
  • Assess your optional extras and only pay for what cover you actually need.
  • Take a motorbike course. Some insurers offer discounts if you’ve done 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 39 trusted insurance companies to get you our cheapest deal

Compare cheap motorbike insurance quotes

What our motorbike insurance expert says

“When getting your motorcycle insurance or renewing it, make sure you thoroughly assess your coverage needs. Look at things like your motorbike's value, how you use it, and your personal circumstances. The right insurance should not only be affordable but also provide adequate protection tailored to you.”

Classes of use for your motorbike cover

Social only

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

Social and commuting

This covers you for social riding, as well as commuting to a single place of work.

Business use

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

Business use

Suited for drivers who carry and deliver goods.

Optional extras to enhance your cover

A standard motorbike insurance policy should cover your motorcycle and other road users. But you might want to consider some extra cover to suit your needs. Here are some add-ons you can add to your policy:

  • Breakdown coverProvides you with roadside assistance if your motorbike breaks down. There are different levels to choose from including nationwide 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. Levels of cover 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: This means that if you ever have to make a claim on your insurance, you don't lose all the years of no-claims discount that you’ve built up. The number of years you can keep your discount and the 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. 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 they come with an extra cost.

Types of bike insurance

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.

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Page last reviewed: 09 October 2023

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.