# What insurance does a motorbike need?

> Quick answer · Last updated 5 July 2026

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## In short

Third-party minimum is legal. Comprehensive recommended because theft and damage rates are high.

Licence type — CBT, A2, A — affects premium.

Named riders only — lending without cover is illegal.

Security and garaging reduce theft-rated quotes.

See motorbike insurance guide.

## Related

- [Motorbike insurance guide](https://moneyguide.org.uk/insurance/motorbike-insurance-explained/)

## Primary source

abi.org.uk/motor

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.