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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.

Louise Thomas, Motor Insurance Expert at Confused.com
Reviewed by: Motor Insurance Expert 3 min read | Updated on: 22/04/2026
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Who is MotorCycle Direct?

MotorCycle Direct is a UK-based specialist motorbike insurance provider. Their aim is to deliver tailored insurance solutions for bikers, offering policies for most types of motorbike.

With years of experience and over 400,000 customers, MotorCycle Direct understands that motorcycling is more than just transport - it’s a way of life.

They also trade under the name of Europa Group, who are regulated by the Financial Conduct Authority (FCA).

Want to check their status? Simply enter their registration number (309794) into the official FCA registry.

What cover can I get with MotorCycle Direct?

MotorCycle Direct offers 3 standard levels of insurance to suit your needs and budget:

  • Third-party-only: This is the basic legal minimum required to ride on UK roads. It only covers your liability for damage or injury caused to other people and their property. It doesn’t cover any damage to your own motorbike.
  • Third-party, fire and theft: This mid-level option covers your bike if it’s stolen or damaged by fire. It also covers you for any injury or damage you cause to other people or their property.
  • Comprehensive: This is the highest level of protection. It covers damage to your own bike (even if the accident was your fault), as well as protection against fire, theft, and your legal liability to others.
 

Why choose MotorCycle Direct motorbike insurance?

MotorCycle Direct provides reliable cover built around your needs. As a policyholder, you’ll get practical benefits and a bunch of optional extras to help keep you protected wherever you ride.

Take a look at the key benefits:

  • 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 effect on the price you pay
  • A range of policy extras available, such as motorcycle breakdown cover and courtesy motorbike cover

MotorCycle Direct insurance policy details

There are a few things included as standard in any MotorCycle Direct insurance policy:

  • Cover for 16 common motorbike modifications. If you have any of the listed modifications, or add any to your motorbike during your policy, your price stays the same. See what’s covered by checking the full list on their website.
  • Imported motorbike cover, including cover for motorbikes imported from China.
  • Riding abroad cover. This allows you to ride your motorbike in the EU for up to 30 days per trip, or up to 90 days in a year.

They also offer specialist cover, including:

  • Scooter insurance and moped insurance tailored for younger drivers at competitve prices.
  • SORN cover, meaning 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.

What optional extras can I get with MotorCycle Direct?

Breakdown cover

Available in the UK and Europe. Covers getting you home or to your destination if you breakdown, and will take your motorbike to a garage if needed.

Excess protection

This means MotorCycle Direct will help cover your excess if you make a claim. Typically, this is up to £6001 per year.

Legal expenses cover

Allows you to get legal assistance and up to £100,0001 to cover legal costs if you make a non-fault claim.

Helmet and leathers cover

Provides up to £1,0001 if your helmet or protective clothing are damaged in an accident.

Personal accident cover

Means you can claim up to £25,0001 if you sustain a permanent injury in an accident.

Courtesy motorbike cover

Provides you with a bike up to 650cc for up to 14 days if your own is damaged or stolen.

1Optional extras available at additional cost. Correct as of April 2026.

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