Motorbike Insurance

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Motorbike Insurance

What is motorbike insurance?

Just as car insurance is an important legal requirement, motorbike insurance is, too, if you use your vehicle on public roads. Coverage is necessary if you store your bike on a public road and don't ride it. Off-road quad bikes don't have to be insured, but it might still be a wise decision for peace of mind and protection in an accident. Insurance is especially worth considering if you use your quad bike regularly and are more likely to have an accident.

For motorbikes, mopeds, and quad bikes, having insurance can protect you if your bike is stolen or damaged. It's also an advantage if you're in an accident while on your bike. You can also purchase specialist learners' motorbike insurance. Whatever your level of riding experience is, Insuro can help you find a good value insurance policy to match.

Quotes from over 25 top UK insurance providers

How much does motorbike insurance cost?

Predicting how much your bike insurance will cost can often be challenging. Several different factors influence how much your premiums are likely to be. We can help you get a great deal - getting your motorbike insurance through Insuro costs an average of £195 annually!

The type of bike you have is likely to influence how much your insurance costs. Superbikes will likely cost more to insure than mopeds and 125cc. Customised choppers and cruisers can cost more than standard motorcycles, whilst high-performance sports bikes are likely to have higher premiums than entry-level bikes.

For motorbikes, there are even more factors to consider. A top-of-the-line or high-powered bike will naturally be more expensive to insure than a more basic model. If you're currently looking into buying a motorbike, the difference in insurance costs might be worth thinking about when you're making a decision.

Why compare with Insuro?

Compare Motorbike insurance

Are you looking to compare motorbike insurance that gives you excellent coverage? Insuro is the place to compare cheap insurance quotes from various insurance providers. Finding your insurance doesn’t have to be a headache. If you need help deciding which policy to choose, our handy tool means you can easily find quotes and compare the options to get bike insurance that meets your needs and works for you.

Whether you’re a new or experienced rider, and regardless of the type of bike you want to insure, we can help you find comprehensive and affordable quotes that suit your needs. An inexpensive insurance policy is an excellent advantage for any bike rider, regardless of whether you’re legally required to insure your bike. Don’t take the risk and end up out of pocket – find low-cost insurance quotes for motorbikes, push, and quad bikes today with Insuro.

What is bike insurance?

Just as car insurance is an essential legal requirement, motorbike insurance is, too, if you’re using your vehicle on public roads. Motorbike insurance includes whether the location of the motorbike is on a public road and you don’t ride it. Off-road quad bikes and bicycles don’t have to be insured, but it might still be a wise decision for peace of mind and protection in an accident. Especially worth considering is if you use your push bike or quad bike regularly and are therefore more likely to have an accident.

Insurance can protect you if your bike is stolen or damaged for motorbikes, push, and quad bikes. It’s also advantageous if you’re in an accident while on your bike. You can also purchase specialist learners’ motorbike insurance. Whatever your level of riding experience is, Insuro can help you find a good value insurance policy to match.

What are the different types of motorbike insurance?

Bike insurance falls into three broad categories. You might assume that more comprehensive plans typically have higher premiums, but this depends on the individual insurance provider. It’s worth thinking carefully about the level of cover you need and checking the options thoroughly to see where you can get a great deal.

It’s essential to understand what each type of insurance covers and what the individual plan you select covers. Considering your usage helps you determine what you need in a policy. You can usually split bike insurance policies into these categories:

• Third party only – the minimum level of insurance required for motorbikes. The third-party only insurance covers damage you cause to others and their property with your bike but doesn’t protect you or your motorcycle.

 Third-party fire and theft is the same as third-party insurance but includes additional coverage if your bike is stolen or damaged in a fire.

• Comprehensive cover – this also covers repairs for the bike. Sometimes, it also protects your personal injury, but continuously checking the policy details is essential.

Adding extras to your policy

Do you want a comprehensive cover? Or you’re looking for more basic insurance with a few crucial add-ons? Similarly, to car insurance, with bike insurance, it’s possible to add several different extras to make your policy an excellent fit for your needs. Perhaps you want motorbike breakdown cover, pillion cover, or insurance for a sidecar. You can add plenty of extras to your policy, and it’s worth considering your priorities.

With the quote comparison service, you can find insurance providers immediately offering the additional services you need. Every bike rider is unique, so why shouldn’t you have customised insurance to suit you? Extras you might want to include in your policy are:

How much does motorbike insurance cost, and what is considered cheap?

Predicting how much your bike insurance will cost can often be a challenge. Several different factors influence how much your premiums are likely to be. We can help you get a great deal – getting your motorbike insurance through Insuro costs an average of £132 annually!

The type of bike you have is likely to influence how much your insurance costs. Quad and motorbikes will likely cost more to insure than push bikes. If you’re looking at push bike insurance, mountain and road bikes differ in how much insurance costs. Customised choppers and cruisers can be of a higher price than standard motorcycles, whilst high-performance sports bikes are likely to have higher premiums than a basic push bike.

What to consider with your policy?

For motorbikes, there are even more factors to consider. A top-of-the-line or high-powered bike will naturally be more expensive to insure than a more basic model. If you’re looking into buying a motorbike, the difference in insurance costs might be worth considering when deciding. Some other things that might affect your premiums include:

Different motorbike insurance policies will have different premiums, and any extras you add to your plan will also increase your monthly premiums. On the other hand, paying a more voluntary excess can lower the cost of your monthly payments.

It’s vital to ensure you have sufficient cover, but to get a great deal; it’s worth considering your needs. If your bike is rarely in use, you might prefer a lower level of coverage, and a more comprehensive cover could be brilliant if you’re constantly on the road.

Motorbike use classes

Motorbikes have several classes of use. Insurers use the category you fit into to decide the risk level to insure your bike. Understanding the types can help them to calculate how much your insurance should cost. It’s essential to be honest about how you use your bike; otherwise, it might void your insurance in case of a claim. The classes of motorbike use are:

Why compare motorbike insurance with Insuro?

  • Social, domestic, and pleasure – when you only use your motorbike for leisure travel.
  • Social, domestic, pleasure, and commuting – when you use your motorbike for leisure and travel to and from work.
  • Social, domestic, pleasure, commuting, and business – when you’re also using the bike for business purposes, for example, if you’re a motorbike courier.

Sifting through quotes and finding the right insurance policy for you can be time-consuming, confusing, and not very interesting. When you compare bike insurance with Insuro, there’s no need to spend hours comparing the options or needing clarification between different policies. Our service makes it quick and easy to find quotes that give you the cover you want and compare the options from various providers. From small niche insurers to household names, we instantly provide you with a selection of quotes.

Wide choice of providers

We instantly find and compare quotes from more than 20 insurance providers so you can easily see your options in one place. Seeing the results in a list makes it easy to compare the costs and see what each policy includes as standard and the available extras. Comparing quotes with extras presented side-by-side can help you to build the bike insurance coverage that’s the right match for your needs.

Easy to understand

Choosing insurance can feel confusing, but that’s where Insuro comes in. With Quotes shown to you in a way that’s clear and easy to understand, you know what’s on offer. Clarity of results makes it simpler to compare the quotes and find the provider that can offer you a great deal on the motorbike, push bike, or quad bike insurance.

Easily retrieve your quotes.

At Insuro, we understand that insurance can sometimes be a big decision, especially if you’re insuring a bike for the first time. If you can’t decide immediately or need time to consider your options, it’s not a problem for us. We make it easy to retrieve your quotes later so you can recheck the details or take some time to think about which policy you want.

Find low-cost insurance

We understand that you want to spend your money on things other than insurance, and that’s why we specialise in showing you low-cost, high-cover quotes that give you reliable coverage without having costly premiums. We want to provide you with the best possible chance of finding a great deal at a price you love, so we focus on showing you affordable policies from trusted providers.

Quotes without bias

We’re not here to push an agenda or encourage you to sign up for a particular insurance provider. The comparison system checks for many options and presents them to you without bias, allowing you to make the right decision for you and your needs. Our goal is to help bike riders find the insurance that suits them as individuals and gives them the cover they want, not to encourage a one-size-fits-all policy.

Never take chances

Bike insurance gives you genuine peace of mind, so comparing the options with Insuro makes sense. Even if insurance isn’t a legal requirement for the bike you own, it can reassure you that you’re covered in case anything goes wrong. Whether you only need basic cover or are looking for a more comprehensive insurance policy, finding bike insurance through Insuro ensures you never have to take chances when you’re out on your wheels.

Why get motorbike insurance?

Even if you use your bike infrequently, getting insurance is still essential. On top of the legal requirement for motorcycle owners, insurance is wise for any bike rider. Bikes offer riders less protection than other types of road vehicles. On a motorbike, you may travel faster than you would in a car or other road vehicle. This method of travel can put you at greater risk of an accident or severe injury, so knowing that you’re adequately insured can put your mind at ease and help you to enjoy life on the road. Insurance also gives you peace of mind that your bike is protected even when parked or unused.

Information for getting your quotes

There are a few bits of the essential information you need to get accurate bike insurance quotes. Some of these points are only relevant if you’re choosing to compare motorbike insurance. If you’re ready to get some quotes and choose the most appropriate bike insurance policy for your needs, it’s worth gathering as much of this information as possible beforehand. Having the details ready helps you to access low-cost insurance quotes and compare the possibilities quickly. Some valuable information to help you get an accurate quote is:

Get a quote for motorbike insurance today.

Are you ready to find and compare low-cost bike insurance quotes? Whether for a motorbike, quad bike, or push bike, we can help you find cheap insurance quotes that give you the cover you’re looking for at a competitive price. We search through many different providers to present a range of options, making it easier than ever to find insurance that suits you and your bike. Enter your details now to get started with finding your bike insurance quotes. Alternatively, call us if you’d rather compare motorbike insurance over the phone. Finding low-cost insurance policies that work for you couldn’t be more straightforward.

“The information contained within this page is for editorial purposes only and not intended as financial advice.”