Motorbike Insurance | Motorcycle Insurance | Coversure

We're here to help


Independent service from your local insurance specialists

Need a motorbike insurance quote?  Let the independent specialists at your local Coversure office compare their markets to find you quality motorcycle insurance protection. Your local Coversure office can tailor protection to your needs, so start your quote today.

Service comes first at Coversure, and as the following feefo testimonials show, we’re the team you can trust with your business

Average Customer Rating:

Independent service rating based on 1156 reviews

What Types Of Motorbike Insurance Are There?

Like car cover, motorbike policies are based on giving you the cover you need to drive on public roads legally. There are three options for this:
  • Third-party only – this is the minimum cover required by law and will only protect you for third-party liabilities – e.g., damage to another driver’s vehicle in the event of an accident that was your fault
  • Third-party, fire, and theft – this is the same as third-party, but it also insures your vehicle should it be stolen, damaged, or lost in a fire
  • Fully comprehensive – fully comprehensive will cover you should your vehicle be lost to fire, stolen and, in the event of an accident, it will pay for repairs to your vehicle even if the accident was your fault

On top of this, insurers want to know how you use your bike.  These uses are categorised as:

  • Social, domestic, and pleasure – if you’re only using your bike for leisure and social travel, this will cover you
  • Social, domestic, pleasure and commuting – if you’re also using your bike to ride to a single place of work, that counts as commuting and means you need extra cover
  • Social, domestic, pleasure, commuting, and business use – if you’re using it for all of the above while also using it for business reasons (like a delivery service), then you’ll need business use cover

Which one is right for you depends on how you use your bike and how much you want to spend.  Fully comprehensive tends to be the most expensive and third-party the cheapest.  If you’re unsure which is best for you, please contact your local Coversure, and they’ll be happy to give you some independent advice.

What's Not Covered By Motorbike Insurance?

A typical motorbike policy won’t cover you for things like:

  • Modifications – any mods you make need to be declared. Small changes – change of seat, lowering of suspension – should be OK, but anything aimed at increasing performance or value won’t be.  Significant changes to your bike may also need to be declared to the Driver and Vehicle Licensing Agency (DVLA)
  • Passengers – if you want to carry a passenger, you’ll need to add pillion cover to your policy.  This will protect the passenger against personal injury while riding with you.  Passengers aren’t considered third parties, so without the extra cover, your policy will be invalid, and you could be held liable if they’re injured
  • Sidecars – are classified as an accessory, and you may need to take out extra cover. You’ll need to give your insurance provider details about the sidecar’s make, model, and value.  Some insurance providers will insure it as an accessory, while others will include your sidecar in the total cost of your motorcycle insurance
  • Punctures and wheel damage – these usually aren’t covered by bike insurance
  • Track days  – if you want to go on a circuit, you’ll need to get dedicated track day motorbike insurance. Again, you’ll need to take out specialist insurance if you want cover for a racing bike

How to save on Motorbike Insurance

Everyone wants to find ways to save on their insurance without compromising on the quality of protection.  You can potentially save on your motorbike policy costs by:

  • Increasing your excess – if you’re confident in your riding abilities, increasing your excess – the amount you pay in the event of a claim – can be a simple way to reduce insurance premiums
  • Build up your no-claims discount (NCD) – have you been riding for years without a claim?  Insurers regularly offer discounts based on how long you have been claim free.  If your riding history is as a named driver rather than the actual policyholder, you may not be able to get a NCD.  If this is your situation, ensure you become a policyholder as soon as you can so you can reap the benefits of a NCD
  • Install a telematics system – you may have noticed that technology like black box devices (telematics) are becoming more common in insurance policies.  This is because they provide insurers with more information and prevent them from being left in the dark over a claim – especially when a claim is disputed.  So, if you’re confident that you’re a safe, sensible rider who can stick to the requirements they ask of you, getting a black box telematics system fitted in your bike could be an easy way to save money on your cover
  • Reduce your mileage – lower mileage will often result in lower premiums
  • Young rider?  Consider limiting when you can ride – while motorcyclists are most at risk from accidents during the rush hour between 4 pm and 7 pm, according to the police, they are also more at risk at night.  Curtailing the hours you can ride can reduce the cost of cover
  • Pay annually – while it may be temptingly convenient to pay in instalments, you may pay less if you pay in one lump sum
  • Avoid modified bikes – de-restricted engines, big bore exhausts, and customised frames may look great, but they won’t be great for your insurance costs
  • Protect your bike – dashcams, u-locks, trackers, and garaging overnight are all good ways to help lower the risk of theft and potentially lower your premiums

How Much Does Motorbike Insurance Cost?

How much your policy will cost depends on several factors, some of which we’ve outlined below:

  • Your age – younger drivers tend to pay more, and you will need to be at least 16 years of age to get cover
  • What you are riding – the size of your bike will be a significant factor. Typically, the bigger the engine/faster the bike, the more you are likely to pay.  Specific bikes and brands are also more expensive.  A Harley Davidson will probably cost more to cover than a Yamaha as the Harley is more expensive and more desirable to thieves
  • Where you are riding it – inner cities, on routes with high accident rates, or postcodes with high crime rates will all push up your premiums
  • Your claims history – good, safe riders will years of no-claims bonus pay less than those who have multiple claims
  • Your vehicle’s security – if your bike has an immobiliser (factory fit or owner added), is garaged at night, or has a tracker or telematics device fitted, then it is likely to attract a lower premium
  • The distance you are covering – statistically speaking, the longer you are riding, the greater your chances of you having an accident
  • What you use it for – the difference between using it for pleasure or work can be substantial

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Motorbike cover for you.

Motorbike Insurance FAQ

Motorbike insurance is a complex cover area, so to help you get the protection you need, here is Coversure’s motorbike insurance frequently asked questions.  We hope they will be of help, but if you’d like some independent advice, contact Coversure.

Yes, as you need cover to ride on public roads

Getting a quote is easy.  Contact your local Coversure office or start your motorbike insurance quote today

It’s not common practice, but some insurers do offer this, so please get in touch with your local Coversure office to see if they can help

Yes, but you’ll need to check your policy.  Some providers offer EU cover as standard, but anything further afield and you’ll need a specialist policy

Yes, but the cover will probably be more expensive

Yes, breakdown and recovery, pillion cover, keys, and leathers are well worth considering

Need a Motorbike Insurance quote?

If you’d like a Motorbike Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Car Insurance

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

We're here to help