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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.
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:
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.
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.
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.
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*.
Third-party, fire and theft
Third-party, fire and theft
*Based on Confused.com data, June 2023
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.
What our motorbike insurance expert says
Classes of use for your motorbike cover
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.
Suitable for riders who use their motorbike for travelling to multiple locations for work purposes.
Suited for drivers who carry and deliver goods.
Types of bike insurance
can offer you protection on the road. Whether your ride is a scooter, a classic, a superbike or something else, we can help you find your next policy.
Cover for modern classic or vintage motorbikes.
Get a multi bike quote to cover all of your bikes on the same policy.
Protection for your three-wheeled pride and joy.
For those riding on four wheels for sport, agricultural or fun.
Specialised protection for off-roading, green-lining, dirt and trial bikes.
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.
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.
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.
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.
Claiming on your motorbike insurance can sometimes be confusing, so we're here to help. Here's how you make a claim on your motorbike insurance policy.
We look into insuring your 125cc motorbike: What you need before you start riding, and the pros and cons of riding on your provisional licence.
Need more help?
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.
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.
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.
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
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.