Motorbike and motorcycle insurance explained in the UK
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Quick answer: Motorbike insurance is legally required at least at third-party level. Compare on use (social, commuting, business), security, storage, mileage and voluntary excess — comprehensive cover is valuable because bike theft and damage rates are high.
Motorcycle policies price risk on engine size, rider age, postcode and security. Comparison sites aggregate quotes but exclusions on pillion passengers, track days and modifications vary. This hub explains how to compare fairly.
Last reviewed:
Read the full insurance guide →Quick answer: Motorbike insurance →Primary source: www.abi.org.uk/products-and-issues/topics-and-issues/motor
Cover levels and common exclusions
Comprehensive covers accidental damage to your bike plus third-party liability — important when repair costs exceed bike value on smaller machines.
Laid-up or SORN policies cover fire and theft while off-road — cheaper if you winter-store the bike.
Accessories and helmets have per-item limits — declare expensive kit or buy add-ons.
Rider factors and security
Named riders only — lending the bike to an uninsured friend is illegal and voids cover.
Advanced training (e.g. enhanced rider schemes) may earn discounts with some insurers.
Garaging, ground anchors and Thatcham-approved locks reduce theft risk in high-crime postcodes.
Multi-bike and modifications
Multi-bike policies let several motorcycles on one policy — useful for collectors; each bike still needs declared value.
Exhaust, fairing and performance modifications must be declared — undeclared mods can void claims.
Classic bike policies often agree valuations upfront — important for appreciating vintage machines.
Common questions
Is motorbike insurance cheaper than car?
Sometimes for small bikes and experienced riders, but young riders on large cc bikes often pay more than car insurance.
Can I pause insurance over winter?
You can SORN the bike and cancel road cover, keeping laid-up fire and theft if the bike stays uninsured on public roads is illegal.
Does CBT affect insurance?
Yes — insurers price on licence level. Completing full A licence training can reduce premiums long term.