MotorCycle Direct insurance

MotorCycle Direct is a specialist motorbike insurance broker. They work with a panel of insurers to offer policies for most types of motorbike - from scooters to classics, as well as electric motorbikes. They also offer multi-bike policies and can cover several modifications.

We compare up to 41 motorbike insurance companies¹, including MotorCycle Direct. We check your details against all of our partners to show you a list of quotes. This means you may not get a quote from MotorCycle Direct.

If you want to find out more about MotorCycle Direct insurance, read on. Or, select 'Get a quote' if you're ready to compare prices.

¹Correct as of June 2025

Louise Thomas, Motor Insurance Expert at Confused.com

Reviewed by: Louise Thomas Motor Insurance Expert 3 min read | Published 11/09/2023

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Why choose MotorCycle Direct motorbike insurance?

European cover for up to 30 days per trip, and up to 90 days in a year
Cover for 16 modifications included as standard with no affect on the price you pay
A range of policy extras available, such as breakdown cover and courtesy motorbike cover

About MotorCycle Direct

MotorCycle Direct was established in 1997 to provide market-leading motorbike insurance services. They pride themselves on their knowledge and enthusiasm to help bikers get the best cover.

They have over 400,000 customers and aim to create a sense of community among bikers. MotorCycle Direct offers expertise in what they see as being a 'way of life' to policyholders.

MotorCycle Direct is a trading name of Europa Group. They're authorised and regulated by the Financial Conduct Authority (FCA).

MotorCycle Direct insurance policy details

MotorCycle Direct is an insurance broker, so your policy details depend on the insurance provider your policy is with. They offer third-party, third-party, fire and theft and comprehensive policies. There are a few things included as standard in any MotorCycle Direct insurance policy:

Cover for 16 common modifications. You can find a full list of these modifications on their website. If you have any of the listed modifications, or add any to your motorbike during your policy, your price stays the same.
Imported motorbike cover, including cover for motorbikes imported from China.
Riding abroad cover allows you to ride your motorbike in the EU for up to 30 days per trip, or up to 90 days in 12 months.

They also offer specialist cover, including:

Scooter and moped insurance with competitive rates, even for younger drivers.
SORN insurance so your motorbike is protected against theft and fire damage when it's laid up.
Young rider insurance for riders under 25, including policies for 16-year-olds looking to ride a moped.
Multi bike insurance with a mirrored bonus scheme, so your no-claims discount applies to all the motorbikes insured under one policy.

MotorCycle Direct optional extras

Optional extras are available to add to your policy for an extra cost. The policy add-ons you choose depend on what you need your insurance to cover:

Helmet and leathers cover provides up to £1,000 to cover your helmet or protective clothing if they're damaged in an accident.
Breakdown cover for both the UK and Europe is available to get you home or to your destination if you breakdown during a journey. They'll also arrange for your motorbike to be taken to a suitable garage for repairs if needed.
A courtesy motorbike up to 650cc for up to 14 days if yours is damaged or stolen.
Legal expenses cover provides legal assistance and up to £100,000 to cover legal costs following a non-fault claim.
Personal accident cover up to £25,000 if you sustain a permanent injury in an accident.
Key cover of up to £1,500 if your keys, or those belonging to immediate family living in the same household, are lost, damaged or stolen.
Excess protection means MotorCycle Direct help cover your excess if you make a claim. They cover up to £600 per year.

Contact MotorCycle Direct insurance

If you need to make a claim, you can contact MotorCycle Direct by phoning 0344 0800 0988. They also have a live chat option on their website.

You can also write to them at:

MCE Insurance,
Europa House,
Midland Way,
Thornbury,
Bristol,
BS35 2JX

Motorcycle Direct is a trading name of Europa Group Limited, authorised and regulated by the Financial Conduct Authority (firm reference no. 309794).

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