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An Explanation of Motorbike Insurance

Although your motorbike might be handy for avoiding traffic queues, there’s no way around paying for insurance. Just like cars, motorbikes are illegal if driven while uninsured in the UK, so make sure you’re covered before you hit the road. Even if it wasn’t legally required, insurance would still be a great way of protecting you from unwanted expense should accident or theft occur. If you do your research, you will be able to find an affordable policy that suits your needs.

There are three different levels of cover offered by motorbike insurance providers: ‘Fire and Theft’, ‘Third Party Fire and Theft’ and ‘Fully Comprehensive.’ Your first step is to decide how much cover you need and how much you’re willing to pay. Any policy you get a quote for will also come with the option of additional add-ons so you can include cover for things like breakdown and legal fees for an added price. You can also pay extra to include your leathers and helmet in the policy, so if this is important to you then don’t forget to add it on. If you only use your bike at certain times of the year, be sure to check out temporary insurance packages to save on covering yourself when you don’t need to be covered. You will get a cheaper price by paying for your policy up front – it may actually be cheaper to use Readies to borrow the money to achieve this.

Editor’s note: In many places motorcycle insurance is prorated and this option isn’t available. Prorated policies mean that insurance companies will calculate based on estimated usage. For example having a policy from June through August would be much more expensive than having a policy from December through February based on when the insurance companies assume you’ll do most of your riding.

There are plenty of factors at play when it comes to the cost of your insurance premium. Some of these are really simple things like your age. Generally, the older you are, the less you’ll pay for insurance. If you’re under the age of 30, you’re considered a ‘high risk’ motorbike driver, and if you’re under 21 you’ll pay even more. Your gender will no longer play a role in your premiums, thanks to the European Court of Justice ruling that banned variations in insurance costs based on sex.  If you’re a man, you should benefit from this.


The bike you ride will make a difference in your premiums. The bigger and more expensive your bike, the higher your quote will be. You’ll also pay more for added modifications on your bike as these make you appear riskier to the insurer. Your driving history will also be taken into account. If you have a clean record up to this point you should benefit from a no claims discount, whereas previous claims and driving offences will increase your premium costs.

Editor’s note: In Ontario, Canada, the high risk age is 25 years old. Unfortunately a motorcyclist who is 24 years old with a clean record and 8 years of experience will still pay less in annual insurance than a 25 year old with no motorcycle experience or history. Often insurance policies related to motorcycles are non-nonsensical.

When you apply for a policy you’ll also be asked to specify how your bike is used: if you only use the motorbike occasionally you’ll pay less than someone who uses it as their main mode of transport. You’ll need to be clear if you ride the motorbike only for track riding or if you also use it on roads. By getting an accurate reading of your mileage and usage, you can end up saving money. You can also reduce the risk you pose in the eyes of the insurer by making sure your motorbike is stored securely to minimise the opportunity for theft. If you can keep your bike inside in some way, in a locked garage or shed, then you’ll have a better chance at keeping your quote down. Some insurers won’t cover the theft of your motorbike if it’s not being kept secure. If you have no place indoors to store it then invest in a security lock that’s approved by the insurance provider.

For the best deals on your motorbike insurance, get quotes from as many brokers as possible to find the right policy for you and your bike. GoCompare consistently rates highly on search speed and cheap quotes across 36 different brokers, with The Bike Insurer also providing a quick and useful service. If you have a  Nectar Card and are keen on collecting points, you may want to compare with Confused.com, as buying your policy through them will earn you 1,000 points. Get comparing, but remember, always be honest about your circumstances with the insurance provider, and you’ll be sure to find a deal that suits you.

If you’re interested in Motorcycle Insurance in Ontario click the link.

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One comment

  1. A comprehensive article with some good nformation but with a major omittance, the decleration of non standard modifications. Insurance companies are known to decline insurance payouts on the basis that a bike has been modified and undeclared, and by the same banner, there are doubtless bikes on the road that should the bike be inspected it would be uninsured!

    It is key that you declare your modifications to your insurance company. An exhaust system is a commonplace addition to any bike but even if it desnt add any power to the bike the bike would be that much more desirable to thieves and therefore more of a risk to your insurers.

    The question is wether the modification is enough to warrant a change to the policy. Insurers know that people change their exhausts for a multitude of reasons and are used to having these delcared. A stage 1 type remap to make the most of that exhaust and you are in new territory – an insurer is unlikely to find this modification on any kind of investigation, but declaring it would certainly impact your premium…

    The only safe way is to be honest about the modifications your bike carries and let the insurer decide wether your policy is affected by it. Only then will you know that you are covered for the worst.

    Biketuna.co.uk are a UK based performance parts specialist – if you have any questions regarding the parts yu are fitting and the modifications you are considering, please feel free to ask us in our onsite forums.

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