Motorbike Insurance

How much is motorbike insurance? 

The price of your motorbike insurance depends on a number of factors. However, if you’re deemed as riskier to insure, then your policy could be more expensive. This is impacted by things like: 

1. Your age: being a young driver can mean you're less experienced and make you riskier to insure.


2. Your job: if you use your bike for your job – for example a delivery driver – your motorbike insurance could be more expensive. 


3. Engine size: having a more powerful engine can increase the cost of your motorbike insurance policy.


4. Time you usually ride: if you ride during peak times when the roads are busier, like rush hour, you are at higher risk of being in an accident. 


5. Security: keeping your bike safely stored in a garage overnight and having other security measures could help reduce the price of your policy. 


6. Driving history: if you’ve had any previous claims or convictions, this can have an effect on the price of your motorbike insurance.


7. Annual mileage: having high annual mileage means you’re on the road for longer, which can bump up the price of your bike insurance. 

How to get cheaper motorbike insurance?

The cost of your motorbike insurance depends on a number of factors and many of these can’t be changed. For example, the age of the policy holder. But if you’re looking to get cheaper bike insurance, you could reduce the cost by:
 

  Having a no claims discount by driving safely and responsibly

  Driving carefully to minimise risk of an accident

  Add a named driver to your bike insurance to help reduce the cost of your policy (but make sure you aren’t ‘fronting’, which is a criminal offence). 

  Paying annually instead of monthly can often reduce the price of bike insurance 

  Increase the amount of voluntary excess you pay if you need to make a claim **

  Reduce your mileage

  Storing your bike in a garage or safe space overnight 

  Passing a recognised motoring qualification, such as Pass Plus. 

**For example, if you set your excess at £150 instead of £50, the cost of your policy should reduce but you should make sure you would be able to pay this amount in event of making a claim.

It’s important to answer all questions honestly and accurately when getting a quote for insurance. Failure to do so could invalidate your insurance and lead to criminal convictions. 

Optional extras – tailor your cover to suit your needs

• Personal Accident Cover – Give yourself and your family peace of mind should you experience an accident on your motorbike with cover of up to £25,000 in the event of: accidental death, loss of sight, loss of limb or permanent total disability. Included with Bike Insurance Plus


• Excess Protect Cover – Claim up to £600 of your policy excess back in the event of: accidental damage, fire, theft or vandalism


• Helmet & Leathers Cover – up to £1,000 cover for your helmet, protective clothing, leathers, gloves and boots following an accident regardless of who was to blame for the accident. This covers you on any bike you are riding, providing you are permitted to do so. Included with Bike Insurance Plus


• Legal Expenses Cover – Protect yourself after an accident that wasn’t your fault, with up to £100,000 of legal costs to help you seek recovery of uninsured losses


• Replacement Vehicle Cover – Provides a replacement bike for up to 14 days in the event of your vehicle being unrideable following: theft, attempted theft, fire, vandalism and accidental damage


• Key Protect Cover – All keys belonging to immediate family living in the household are protected against loss, theft and breakage to a maximum of £1,500


• RAC Breakdown Cover (UK and European options available) – 24 hour assistance in the event of a bike breakdown

Full terms and conditions of these products can be found in the Policy Wording.

Alternatively, call us for a quote on 0330 159 1156.

Monday–Friday: 9:00am – 6:00pm, Saturday 9:00am – 1:00pm & Bank Holidays 10:00am – 2:00pm. Closed Sundays.