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Ways you could reduce the cost of motorbike insurance
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Enter the bike details, any modifications, and rider information.
Step Two
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Review quotes from a panel of specialist motorbike insurers based on price and policy benefits.
Step Three
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Choose a policy that meets your required criteria.
The basics
Do I need motorbike insurance?
Yes. Third-party insurance is the minimum legal requirement for any motorcycle, moped, or scooter used on UK roads. It ensures that if an accident causes injury to others or damage to their property, the costs are covered. Failure to insure a bike can result in fines, points, and the potential seizure of the motorcycle.
How much does motorbike insurance cost?
The cost is heavily influenced by the bike’s "Insurance Group" (determined by power and value) and the rider’s experience. Security measures play a larger role in bike insurance than car insurance: where the bike is stored overnight (e.g. a locked garage vs. on the street) significantly impacts the price.
Types of motorbike insurance cover
Comprehensive
The highest level of bike cover.
Third Party, Fire & Theft
Cover for damage to others, plus fire and theft on your bike.
Third Party Only
The legal minimum in the UK.
Multi-bike
A single policy covering multiple bikes you own.
What additional policy options can I include?
Fully comprehensive motorbike policies offer the most extensive of the three cover options, but most providers offer extras that can be added to bolster your cover. Some of the following may be included as standard with some providers — it's always important to check what you'll be covered for before taking out a policy.
Pillion cover
This covers you for riding with passengers. You'll need to have a full motorbike, scooter, or moped licence in order to legally carry a passenger riding pillion.
Legal protection
Legal protection covers the cost of legal fees you might face as a result of a motorbike incident or insurance claim when chasing other parties for compensation as a biker.
Breakdown cover
Though you can take out breakdown cover separately, some providers offer it as an add-on — ensuring you have access to roadside assistance should your bike break down.
Personal accident cover
If you're injured or killed as a result of a motorbike incident and a claim can't be made from a third party, a personal accident policy will pay out a lump sum in compensation.
Helmet and leathers
This offers extra cover if your helmet or riding leathers are damaged, lost or stolen.
Sidecar cover
This adds cover for riding with a sidecar and passenger alongside your bike.
Personal liability
If you're at fault for damage or injury to a third party, this will cover any compensation you're required to pay.
Lost keys
Key cover insures you against replacing your motorbike keys if yours are lost or stolen.
Wrong fuel
If you top up your bike with the wrong type of fuel, you'll be able to claim for the cost of repairs.
What factors can affect the cost of motorbike insurance?
There are a range of factors that affect the total cost you'll pay when covering your motorbike, so your overall cost will depend on:
Your age
Younger riders are seen as a higher risk by motorbike insurance providers, so if you're under 25 expect higher than average premiums.
Your driving and claims history
If you've not been riding for long, or you've got points on your licence or any driving convictions, this will likely raise your policy cost.
The type of bike
The make, model, and engine size of your motorbike can all influence the cost of your motorbike insurance quote — generally speaking, bigger and more powerful bikes are pricier to insure. Electric bikes and classic motorcycles may also cost a little extra.
How you use the bike
Social-use policies are often cheaper than insurance that covers you to ride your bike for commuting or business reasons, while you'll need extra cover for things like track days.
Your annual mileage
The general rule of thumb is the more you drive, the likelier you are to be involved in a road incident — so your bike insurance policy will be higher.
The bike's storage and security
Keeping your bike in a garage rather than on the street, as well as securing it with locks, trackers and alarms, can help reduce your insurance quote.
Any modifications you have
Some modifications are likely to increase your insurance as they also increase the repair/replacement cost of your bike. However, security modifications may get you cheaper cover.
Your excess
Volunteering a higher excess if given the option can bring your premiums down. Be sure you are able to afford your excess amount.
Specialist bike insurance comparison
Broad range of bikes
Compare quotes for everything from 50cc scooters and commuters to superbikes and custom builds.
Modifications
The panel includes specialised insurers who can provide quotes for bikes with non-factory modifications.
Helmet & Leathers
Find policies that offer specialised add-ons for riding gear and legal expenses.
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Motorbike insurance FAQs
Yes. Performance bikes and superbikes attract higher premiums due to the cost of parts and the increased risk of high-speed incidents. Conversely, lower-capacity scooters used for commuting are generally cheaper to insure.
Standard policies often exclude riding gear. Specialist motorbike insurance providers frequently offer "Helmet and Leathers" cover as a specific add-on to ensure that expensive protective equipment is replaced if damaged in an accident.
NCD is earned for every year of claim-free riding. Many specialist bike insurers allow the transfer of NCD from a car policy, though this varies by provider. Building a strong NCD is one of the most effective ways to lower motorbike premiums.
Yes. If the bike is used to carry passengers, "Pillion Cover" must be included in the policy. Without this specific declaration, any injury to a passenger may not be covered in the event of an accident.
Prioritise safety and seek medical attention if required. Exchange details with any other parties involved and take photos of the scene and the bike’s position. Contact the specialist bike insurer as soon as possible to report the incident and discuss repair options through approved motorcycle mechanics.
*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in May 2026 were quoted less than £256.34. The price you could achieve is dependent on your individual circumstances.
Howmuch Holdings Ltd is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860). Quotezone is a trading style of Seopa Ltd. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd. Howmuch Holdings Ltd do not offer financial advice and we receive a commission for any policies purchased, at no cost to you.
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