Compare quotes is quick and easy. We'll just need a few details about your bike:
Motorbike details:
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.
And a few details about you. We'll do the rest to help you find the right cover for you, at the right price.
Rider details:
Cover for bikes with small engines, commonly associated with first-time bike users.
The level of cover you choose could impact what you’re covered for, as well as how much you pay.
As with car or van insurance there are 3 levels of cover available to you:
Remember, you can buy a motorbike without having motorbike insurance. But you need to make sure that you’ve got an insurance policy in place for your motorcycle before you ride it for the first time. If you want short-term cover to ride home, a drive away insurance policy may be your best option.
The average price of comprehensive motorbike insurance is £1432.
Motorcycle insurance tends to get cheaper as you get older. From an insurer’s point of view, older riders tend to be more careful riders and are less likely to have an accident. But age is just one of multiple factors that affect the price of your insurance.
2Confused.com data: Average price of a 12 month fully comprehensive premium between 01/08/2022 to 01/11/2022.
If you're looking to save some money on your motorbike insurance, here are some helpful tips:
If you’re looking for a cheap motorcycle insurance quote, it’s important that you choose the right class of use when you get your quote. You need to be honest about how, when and where you use your bike. If you aren’t, your insurance might be invalidated, and you could be hit with points on your licence and a fine.
There are four classes of use for bike insurance:
Social, domestic and pleasure (SDP or SD&P) is the class for riders who only use their motorbike for social reasons, such as bank holiday ride-outs and motorbike tests. Many SDP riders only do a few thousand miles a year, and your MOT certificate should show you how many miles you covered last year.
Social and commuting (SDPC or SDP inc. C) includes anyone who uses their motorcycle to ride to and from a single place of work. It’s sometimes known as ‘scooter-commuter’ cover, but it’s required for any motorbike you use to commute with.
Remember, SDPC only covers you for riding your motorbike to and from a single work location. If you work in multiple locations, you might need Class 1 business cover instead. If you use your motorbike to ride to the bus or train station and continue the commute using public transport, you should still select social and commuting.
Class 1 business use protects riders who use their motorbike to travel to different places for work, rather than just between their home and the office.
This class of use could be for you if you:
Courier, delivery or dispatch insurance. If you’re a food delivery rider or courier then you might want to consider courier cover. We don’t offer courier and delivery insurance at Confused.com – you need to go to a specialist insurer for this kind of policy.
Some of the added extras you can bolt onto your cover might not seem necessary. But they can be worth the extra cost.
Personal accident cover can be a big help if you’re injured in an accident, and breakdown cover could save you hours of sitting in the rain on a conked-out motorbike. So it’s worth considering them when you get a quote.
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.
Yes you can. Some motorbike insurance companies offer multi bike insurance policies. This lets you put multiple motorbikes under a single policy to reduce the admin headache. You could also get a discount on each motorbike you add to the 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.
Normally you only get a brand-new replacement when your motorbike is written off if it was new or if you’ve recently bought it.
If your motorcycle is older, you’re likely to get a payout from your insurer that reflects its current value, minus your policy excess.
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.
Yes you can, though not all motorbike insurance companies offer cover for imported models. Imported motorbikes come in two types - parallel and grey.
Parallel imports come from within the EU, so should already meet minimum UK standards. These imports tend to be relatively easy to insure.
Grey imports come from outside the EU. They might not meet UK vehicle standards, so you might need to pay to modify them before you can ride. Grey imports tend to be more expensive to insure due to the need for specialist, imported parts.
The easiest way to check if your motorcycle is insured is to put your registration into the askMID service. This service gives a clear yes or no as to whether your motorbike has a valid insurance policy.
This depends on your insurer and how bad the write-off was. Write-offs are categorised in a similar way to cars and given a rating of A, B, S or N.
Categories A (scrap) and B (break) mean the motorcycle can't be put into circulation again. It’s unlikely the insurance company would let you buy it back, even for parts.
Categories S (structurally damaged, repairable) and N (non-structurally damaged, repairable) could be a bit more flexible. Insurers might let you buy back the whole motorbike, or just parts of it.
Get in touch with your insurance company and ask them about their policy regarding write-offs.
Normally, if your motorbike is declared a write-off, the payout you get should be at the motorbike’s current value, which takes depreciation into account.
Some motorbike insurance policies might offer an Agreed Value feature, particularly if you own a classic motorcycle. This means you’re not left out of pocket following an accident.
To get an agreed value, you might need to get an independent valuation of the motorbike, as well as provide photographs and receipts to the insurance company.
New models and imported bikes can sometimes be difficult to find, and some models might be under a slightly different name. For example, if you’re looking for a Piaggio, look under ‘Vespa Piaggio’. If your details are correct and you still can’t find your bike, try our contact form - we’re happy to help.
If you don’t have a car driving licence, you can leave this question blank and still carry on with getting your quote. A full UK licence allows you to drive a motorbike provisionally - if you have one, we need to know when you got your licence.
Yes, you can get a motorcycle insurance policy without having a licence. This could be useful if you're a collector, for example.
But you do need a valid licence before you can ride your motorbike. And it needs to be the right category of licence for the size and power of your motorbike.
Most policies only let you insure cars or motorbikes, not both.
But there are specific companies that allow you to combine a car and a motorbike under a single policy. These are sometimes known as '6-wheel' insurance policies.
The benefit of a 6-wheel insurance policy is that you don't have to keep track of 2 sets of renewal dates or 2 sets of paperwork. It's likely to save you time and hassle, but it's always worth checking if it saves you money. That's why it's worth comparing 6-wheel insurance policies against separate car and motorbike insurance.
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