Looking for Cheap Motorbike Insurance?

Every motorcyclist needs insurance; it is illegal to ride on the roads without it. But there is no good reason to pay over the odds for your motorbike insurance. Letting your policy auto-renew is often the easiest route to over-paying. Loyalty often is not rewarded when it comes to insurance.

Have a look around and compare policy prices from a few different providers to avoid paying more than you need for the same level of cover.

Motorcycle insurance, like car insurance, comes in three tiers:

Third party, which covers you for damage done to another person and/or their vehicle.

Third party, fire, and theft, which includes everything in third party, plus cover when your bike is stolen, or damaged by fire.

Fully comprehensive: Fully comprehensive motorcycle insurance includes all of the above, as well as accidental damage, vandalism and repairs. It may also cover if you lose accessories such as a camera, sat-nav or luggage. However, this can vary by insurer, so it is best to read policy documents before taking insurance out.

Some providers may include cover for some modifications and not all, while others may only offer cover as an additional option. However, you can also look for specialist insurers to cover your powered two-wheeler if you need to.

Adding ‘bling’ to your bike can usually be covered. But any modifications that increase the power or speed or your motorbike will be considered a higher risk factor and will probably bump up your premium.