Motorbike insurance in 2026: licence categories and security discounts
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Premiums depend on engine size, licence category, storage and annual mileage. Compulsory basic training alone does not cover bikes above 125cc — check your licence matches the machine you insure.
By Money Guide editorial team
Published:
Riding without valid insurance is a criminal offence. Third-party cover is the legal minimum; comprehensive adds fire, theft and damage to your own bike.
Licence categories matter: A1 (125cc), A2 (restricted power) and full A licences each unlock different machines. Insuring a bike you are not licensed to ride voids cover.
Garaging, ground anchors, alarms and trackers reduce theft risk — the main claim driver for bikes in cities. Winter lay-up declarations can cut premium if you SORN the bike off-road for months.
Pillion cover, kit and helmet sections vary. Track-day or touring abroad may need add-ons — standard policies often exclude circuit riding and long EU trips without notification.
Passing advanced training such as IAM RoadSmart can earn discounts with some insurers. See our motorbike insurance guide and young driver telematics page for broader motor insurance context.