Yamaha bike insurance

Yamaha is one of the most popular motorcycle brands in the UK, and the company produces a wide range of motorbikes to suit all needs and tastes.

The amount you’ll pay for Yamaha motorbike insurance will depend on a number of factors ranging from the price and age of the motorbike to how powerful its engine is, as well as your personal details such as your age, address, occupation and claims history.

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How much is Yamaha motorbike insurance?

This depends on what level of motorbike insurance you want. If you're looking for fully comprehensive cover, you can expect to pay around £331* on average. If you just want third-party only cover, you can expect to pay more at £552*.

All policies are different and are impacted by different factors including your age, no-claims bonus and what type of motorbike you ride.

*Confused.com data: Median price of 12 month fully comprehensive and third-party only policies - June 2023.

What affects the price of motorbike insurance?

There are a range of factors that can affect the price you pay to insure your Yamaha, including:

  • Any named riders you have on your policy
  • Your age
  • Your address
  • Your motorbikes value

Any named riders you have on your policy can also have an affect. Depending on the riding experience, any previous claims and the age of the additional riders, the cost of your policy could either go up or down.

Your age can affect the cost of your insurance. Younger riders are often seen as less experienced and more likely to be involved in an accident in the eyes of insurers.

Your address can affect your insurance price. If you live in a city centre, you're likely to pay more than someone who lives in the countryside, because of the higher risks of having an accident and your motorbike being stolen.

Your motorbikes value. The cheaper your motorcycle is, the less your insurance provider will have to pay for repairs if you have any accident. On the other hand, a more expensive, faster model will be more expensive to insure due to the higher cost of spare parts.

How can I save on my motorcycle insurance?

There are certain things you can do to help save money on your motorbike insurance. This includes:

Paying for your policy annually often works out as slightly cheaper than paying monthly. By paying annually, you avoid the small interest charges that insurers apply to your policy when paying monthly.

Building your no-claims bonus means every year that you don't make a claim on your motorbike insurance, not only does it increase your riding experience, but it also means insurers usually apply a small discount to your policy.

Shopping around to help get you the best deal. It's also important to only pay for cover that you need, reducing any optional extras that aren't needed.

Adding extra security devices such as a chain or a bike lock will help reduce your insurance cost.

Increasing your voluntary excess means you are increasing the amount you are willing to pay if you have an accident. This means that your insurer will have to pay out less and should be able to offer you a lower premium.

Taking an advanced riding course will increase your experience and show your insurer that you're a safer rider, which will also reduce the risk of you making a claim in the future.

What insurance can I get for my Yamaha?

Picking the right level of cover for your needs is important. There are 3 levels of cover to choose from:

Third-party is the minimum legal requirement to drive on the roads in the UK. It offers protection if you're in an accident and cause injuries to someone or damage their property. However, you won't be covered for damage to your own motorbike.

Third-party, fire and theft offers the same level of cover as third-party only, as well as protection against damage to your motorcycle as a result of theft or a fire.

Fully comprehensive is the highest level of cover available to buy. It offers the same benefits of third-party only cover, but you'll also be covered if your motorbike suffers any damage as a result of an accident, even if you're at fault.

The level of cover you get can vary between different insurers. Check the policy wording before you buy to make sure you're covered for everything that you need.

What optional extras are available with my motorcycle insurance?

When getting a quote through Confused.com, you can choose to add the following optional extras to your policy:

Breakdown cover entitles you to roadside help if your motorbike breaks down. When you add this to your policy, you'll be offered the chance to upgrade your cover depending what time of cover you want.

Personal accident cover will offer you and your family cover if you suffer an injury as a result of an accident on your motorcycle.

Pillion cover will allow you to carry a passenger on the back of your motorbike. Not all policies include this as standard, so remember to check your policy details.

Legal cover is there to protect you if you have to pay any legal fees that come about as a result of an accident that wasn't your fault.

Depending on your insurer, you may also be able to add other optional extras to your policy, including:

Overseas riding cover provides you with cover to ride your motorbike in Europe. Some insurers will offer this cover as standard, so be sure to check this before you go on your trip.

Sidecar cover will protect the sidecar that's attached to your bike. Some sidecars need specific insurance, so if you think you may need this, check with your insurer to see what cover you'll need.

Leathers and helmet cover will provide a replacement or cover the cost of your riding gear if you're involved in an accident.

Pillion cover will allow you to carry a passenger on your motorbike.

Key cover will help replace your keys if they're damaged, lost or stolen.

Cover levels and optional extras can vary depending on your insurer, so if you're looking to add a particular optional extra to your policy, be sure to read your policy documents carefully before you buy.

History of Yamaha

Yamaha motorbikes have been around for almost 70 years. The Yamaha company was in fact set up at the end of the 19th century in Japan as a producer of pianos – a role the Yamaha Corporation still plays today.

After the Second World War, however, Yamaha redesigned some of the production processes it had developed during wartime to manufacture motorcycles. The first model rolled off the production line in 1954.

A year later, Yamaha Motor Co Ltd was spun out of its parent company and started life as a new, independent entity headed up by Genichi Kawakami. Its headquarters are in the city of Iwata in Shizuoka prefecture, roughly 150 miles south-west of the Japanese capital, Tokyo.

Yamaha’s first motorbike was the YA-1, a 125cc single-cylinder motorcycle. The early success of this model in motorbike races in Japan as well as elsewhere in the world set the template for Yamaha’s subsequent involvement in the motorcycle racing arena. Among many notable achievements over the years, the Yamaha XT500 claimed first place in the inaugural Paris-Dakar Rally in 1979.

During the 1980s, the motorcycle industry – led by Yamaha as well as its Japanese competitors Suzuki, Honda and Kawasaki – rapidly broadened the range of motorbikes they produced. The Yamaha FZ750, a high-performance street bike, was launched in 1985, following on from the success of 1981’s XV750 cruiser-style motorcycle.

In the past three decades, Yamaha has expanded into a number of new areas of motor manufacturing while retaining its focus on the motorcycle sector. Indeed, in 2020 it was reported to be the world’s second largest motorbike manufacturer by value, behind its rival Honda.

In 1989 Yamaha launched a Formula One team which ran until 1997 and which employed drivers including Damon Hill and Martin Brundle. The company has become one of the world’s biggest producers of snowmobiles and has also developed boats and other watercraft, golf carts, off-road vehicles and electrical generators, among many other products.

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