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Imported motorbike insurance

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Types of imported motorbikes

There are 2 main types of imported motorbikes, and some can be easier to insure than others

Parallel imports

Parallel imports are motorbikes brought into the UK from the EU. Under the UK–EU Trade and Cooperation Agreement, the process for importing from the EU has not fundamentally changed. They’re often available through the manufacturer’s franchised dealer network in the UK.

These bikes should meet minimum UK standards, although some specifications can differ. For example, the speedometer may show km/h instead of mph. Parallel imports should be EU approved, and you can ask the manufacturer for a European Certificate of Conformity to confirm this.

Grey imports

Grey imports are motorbikes brought into the UK from outside the EU. Historically, these often came from countries such as the US or Japan, typically for collectors or enthusiasts. More recently, imports from some Chinese motorbike manufacturers have also become more common.

Because grey imports are not EU approved, the bike may need to be checked to ensure it meets UK safety and environmental standards before it can be registered. If the bike is under 10 years old, it must usually pass a Motorcycle Single Vehicle Approval (MSVA) inspection before it can be insured and used on the road.

What's a Q-plate import?

The DVLA may issue a Q plate if there is uncertainty about confirming a motorbike’s age or identity. Q-plated bikes can be either parallel or grey imports, and they will still need to meet the relevant UK or EU road safety requirements. The main difference is that these bikes often don’t have a full document history, which is common with older or classic motorbikes. You can still compare quotes for Q-plate motorbike insurance, although you may find fewer insurers willing to offer cover.

Steps to get imported bike insurance

Get the bike UK registered: You can’t get import motorbike insurance until the bike has been registered in the UK. Once it is, you can get a quote based on your details and the bike’s details.
Confirm what type of import it is: Parallel imports are usually easier to insure because they tend to meet environmental and safety standards and parts are easier to source. Grey imports can be harder, as parts may be less available and repairs can be more complicated.

Reduce risk where you can: Rare or collectable imports can be more attractive to thieves, which can push prices up. Improving security and storage may help.
Check your paperwork and get support if needed: After approval, the documentation is checked. If there are gaps, the DVLA may issue a Q plate, which can limit insurer options. If you’re struggling to get cover, owners’ clubs can often point you towards insurers who are more likely to quote.

How much does imported motorbike insurance cost in the UK?

Imported motorbikes aren’t always more expensive to insure. Many imports are very similar to UK models, so the price can be comparable depending on the bike and the insurer. In fact, we found the average price for comprehensive motorbike insurance is £475*, while the average for imported motorbikes that aren’t official UK models is £456*. That said, the cost can still vary a lot depending on your bike and personal details. One reason the imported average may look lower is that many imported bikes are smaller mopeds and scooters, which are often cheaper to insure.

*Confused.com Q1 2026 data

5 tips to save on motorbike insurance

There are several ways you may be able to bring your motorbike insurance price down. How much you save will depend on your circumstances and the details you provide when getting a quote. Here are a few common options.

Improve security: Theft is one of the biggest risks for motorbike owners. According to the Metropolitan Police, around 9,000 motorcycles were stolen in the last year in London alone. Keeping your bike in a locked garage can reduce the chance of theft and may lower your motorbike insurance premium. If you don’t have a garage, renting one could be worth considering. You can also improve security by fitting an insurance-approved lock, alarm, immobiliser or other device and making sure your insurer knows about it.
Give an accurate mileage: Your annual mileage can affect the cost of your policy. Many older riders use their motorbike mainly for leisure rather than commuting, so estimating your mileage as accurately as possible could help reduce your premium.

Consider advanced riding qualifications: Completing an approved advanced riding course may help lower your insurance costs while also improving your skills and confidence on the road. Qualifications from organisations such as the Institute of Advanced Motorists or the British Motorcycle Federation are widely recognised.
Choose a higher voluntary excess: Voluntary excess is an adjustable amount you agree to pay towards a claim before your insurer covers the rest. Opting for a higher voluntary excess can sometimes reduce your premium, but it’s important to make sure you could afford to pay it if you needed to claim.
Look into a multi-bike insurance policy: If you own more than one motorbike, a multi-bike insurance policy could help you save. Insurers may offer discounts for covering multiple bikes under one policy, as it can be more cost-effective than arranging separate cover for each one.

What our motorbike insurance expert says

''Growth in Chinese manufacturing has made imports more affordable and popular in recent years, especially for grey imports. Importing can be a great way to get a rare or different model on the UK roads. If you’re ready to get insured, we could help you get covered today depending on the history and type of import you have.''

Louise Thomas Motor Insurance Expert

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Reviewed by Louise Thomas Motor Insurance Expert Updated on 29 May 2026

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