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Motorbike Insurance

We’ve been arranging motorbike insurance for UK riders since 1936, so you’re in safe hands at Devitt. Just decide on the level of cover you need and any optional extras you may require and we’ll offer you our best price from a carefully selected panel of UK insurers. Why not put us to the test and see if we can save you some money!

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  • Documents are sent immediately by email
  • 10% unique discount code for Sportsbikeshop**
  • Tailor your motorbike insurance policy with optional extras
  • Up to 90 days EU cover included***
  • 24/7 claim notification service

Choose your level of insurance cover

Once you've decided on the level of motorbike cover you're looking for (third party, third party fire and theft or fully comprehensive), you can choose to further enhance your policy with optional additional products. You can purchase these additional products individually or choose from our bundled options below.

+£5.00 p/m(1)or £59.99 annually
+£6.67 p/m(1)or £79.99 annually
90 days full policy cover in EU
10% discount at  SportsBikeShop
24/7 claim line
Legal Expenses & Loss Recovery
RAC Roadside Breakdown
Helmet & Leathers Cover
Personal Accident Cover
Upgrade cost
+£5.00 p/m(1)or £59.99 annually
+£6.67 p/m(1)or £79.99 annually
Most popularSave 20%(2)
Biggest discountSave 47%(2)

Motorbike Insurance Specialists

Specialists in motorcycle insurance for over 80 years...

We’ve been providing motorbike insurance quotes for more than 80 years and are proud to be one of the first motorcycle insurance specialists in the .

While many things in the motorcycle industry have changed since then, from more powerful machines to improved safety precautions for both the rider and motorcycle, Devitt has remained a trusted provider of cover. You can see what our customers say in our 26,000+ reviews on Trustpilot (as of July 2025).

 

 

When it comes to your motorbike policy, you’re in control of the level of cover you choose  . And you can enhance your policy further with our choice of optional extras such as legal expenses cover, personal accident, and helmet and leathers, as well as RAC motorcycle breakdown cover. Check out our Devitt Enhanced and Devitt Evolution products, which offer a discount when you chose more than one optional extra. Review the panel above for the details!

Whatever your need, our specialist team are here to help you get your cover.

What is motorbike insurance?

Motorbike insurance is a legal requirement for all riders in the UK, ensuring that you’re financially protected if you’re involved in an accident, your bike is damaged, or you cause damage to someone else’s vehicle.

It’s designed for anyone who rides on public roads, whether you own a scooter, a classic bike, or a high-performance motorcycle. You can also add additional bike insurance options such as helmet and leathers cover or breakdown protection, which may help to bring you additional peace of mind.

Why insure with Devitt?

We’ve been motorbike insurance specialists for over 80 years, so we truly understand what riders need to stay protected on the road. Whether you’re looking for our lowest priced motorbike insurance or comprehensive cover, we offer specialist knowledge and a service you can rely on. Since 1936, we’ve been committed to keeping riders covered!

Here are a few reasons to insure with us:

  • Over 80 years of specialism
  • Access to carefully selected UK insurers
  • Discounts on bundled optional extras
  • Dedicated claims service(3) and customer support

(3) Devitt work with a company called Fourth Dimension who manage our motorbike claims process.

What does Devitt’s motorbike insurance cover?

At Devitt, we offer three main types of motorcycle insurance in the UK:

  • Comprehensive: This can cover your bike, third-party damages, and theft. It often costs more but you have a higher level of cover.
  • Third party, fire, and theft: This cover can help to protect you from the cost of any damage to others’ property that you may be liable for and covers your bike if it’s stolen or damaged by fire. It’s a solid middle ground for protection without the full cost of comprehensive cover.
  • Third party only: The most basic option, covering just damage to others.

The price for each policy will differ depending on how much protection you want.

Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions.

What if I own more than one bike?

If you own multiple bikes, we’ve got you covered with multi bike insurance. You can include up to four bikes on one policy, saving time and money. If you have more than four bikes, we can still help – just call our friendly team who can assist on 0345 872 3614.

Which types of motorbikes can you insure?

From zippy mopeds to high-powered custom bikes, Devitt offers insurance for a wide range of motorbikes. Different engine sizes and bike types might need different policies; here are five of the most popular categories we cover:

Whatever you ride, we have a range of cover levels that you can choose from to help keep both you and your bike protected on the road.

What classes of use does motorbike insurance have?

How you use your bike will determine the class of motorcycle insurance you need. Here are the main classes of use:

  • Social use: For leisure riding, excluding commuting or work-related travel.
  • Work travel: Covers commuting to and from a single place of work or study.
  • Business use: Offers cover if you use your motorbike for business-related trips beyond commuting, such as visiting clients or travelling between different work locations.

Do you offer optional extras for motorbike insurance?

We offer plenty of add-ons to customise your cover, including legal expenses, personal accident cover, helmet and leathers cover, and four levels of RAC motorcycle breakdown cover. You can even add pillion cover if you need it. Simply choose what works for you. Plus, we offer discounts when you bundle multiple optional extras—check out our discounted packages, Devitt Enhanced or Devitt Evolution, for more savings. See the table at the top of this page for further information.

What’s the process for getting my motorbike insured?

You’ll need to start by getting an insurance quote. With Devitt, you can get a motorcycle insurance quote online in minutes, or if you prefer, you can give us a call, we’re here to help.

Here’s what you’ll need at hand:

  • Your name, date of birth, and address
  • Your motorbike licence details
  • No Claim Discount (NCD) info
  • Riding history and any claims or convictions
  • Bike details (make, model, modifications)

Based on the details you provide we’ll share our best price with you from our carefully selected UK insurer partners. You can buy your cover immediately or come back to us when you’re ready to go ahead. Your quote is valid for 30 days, so there’s no rush to buy.

How much does motorbike insurance cost?

Motorbike insurance costs can vary based on a variety of factors, including the type of bike you’re insuring, your personal details, and the level of cover you need. The price you are offered will depend on your specific requirements and optional extras will also impact the final cost. At Devitt, we’re here to help you arrange your cover, so let’s see if we can save you some money!

Factors affecting the cost of motorbike insurance

Here are the key factors that can impact your premium:

  • Rarity of the model: Rare bikes often cost more to repair, which may increase insurance costs.
  • Age of the rider: Younger or less experienced riders tend to pay higher premiums.
  • Where the bike is stored: Bikes kept in secure locations may have lower premiums.
  • Miles ridden: The more you ride, the higher the risk, which can raise costs.
  • Minimum excess for classic motorbikes: Classic bikes often come with a minimum excess amount, specific to their value and rarity.
  • Previous driving history: A clean driving record can help lower your premium, while past claims or convictions may raise it.

The importance of motorbike insurance

Motorbike insurance isn’t just about staying legal—it’s about protecting your bike, especially when repairs and parts can be costly. If your motorbike is damaged, insurance can cover the cost of specialist parts, which are often rare or expensive for certain models, including custom or classic bikes.

Many bikes require expert mechanics for repairs, and insurance can help to ensure you’re covered for these specialist services. Without it, you could be left facing hefty bills, especially if your bike has unique or rare components.

Is my motorbike insured?

You can look up your motorbike on the Motor Insurance Database (MID) to see if you have insurance in place. This is the UK’s official list of insured vehicles. Just remember, it can take a few days to update, especially over weekends or bank holidays. So long as you’ve got your insurance documents, and the inception date is correct, you’re good to go!

If you’ve just bought bike insurance, your cover starts on the inception date you selected (check your paperwork for this). This is the date you asked the cover to start from.

Will you insure new riders?

We offer motorbike insurance for new riders, whether you’ve just passed your test or are building your confidence on the road. Start with a bike that matches your skill level and focus on gaining experience. As you build up your No Claims Bonus, you’ll probably see your insurance costs drop. We’re here to help you get started, so get in touch and we’ll help to find cover for you.

What’s the best security to use on my bike to help lower my insurance premium?

Adding extra security to your bike may help reduce your motorcycle insurance premium and of course, keep thieves at bay. While no device can stop a determined thief, layering your security gives you the added protection. Consider using security devices such as a chain and ground anchor, disc lock, alarm, immobiliser, or a tracker for increased chances of recovery.

What’s the best way to store my motorbike overnight?

How you store your bike overnight may have a big impact on your motorbike insurance premium. The safest option can be a locked garage, offering secure protection. If a garage isn’t available, storing your bike out of sight, like in a locked shed or behind a gate, can still help. If you must leave your bike outside, using a cover is the minimum step to help to deter thieves. Always accurately disclose where you keep your bike overnight to ensure any future claims are valid

How do I know what motorbike value to put into the insurance form?

When entering your motorbike’s value on the insurance form, consider its current market value, not what you originally paid. Bikes depreciate over time, so check factors like demand, condition, and mileage. In the event of a claim, insurers will base payouts on the bike’s market value. If you own a classic motorbike, agreed value policies may apply. And a realistic valuation will help to ensure you don’t pay more than necessary for your insurance.

Which motorbikes attract lower insurance premiums?

Generally, bikes with lower value and smaller, less powerful engines attract lower insurance premiums. High-value or high-performance bikes typically cost more because they’re more expensive to replace and more likely to attract thieves or be involved in accidents. If you’re after lower priced motorbike insurance, look for a bike with a low to medium engine size. But keep in mind factors like where you live, your riding experience, and security measures will also influence your premium. You can find out more information on what affects the cost of your premium here.

I just want the lowest priced motorcycle insurance policy, can you offer this?

The cost of your insurance will depend on the type of cover you want, your bike, your riding history and other factors such as your location and where you store your bike.  We offer three levels of cover: third party only, third party, fire and theft, and comprehensive motorcycle insurance. Third party is typically the lowest cost premium because it offers a lower level of cover. Compare the cover levels on offer and choose the one that meets your needs.

Will a full licence impact the insurance price?

Having a full motorbike licence can help to lower your motorbike insurance premium. Insurers see riders with full licences as lower risk because they’ve completed more training and have more experience on the road. While it won’t guarantee low priced cover, it’s a step toward reducing your overall insurance costs, especially when combined with a clean riding record and No Claims Discount.

**One use per customer. Promotion valid until 31/03/2026 and must be used within six months from date of issue. Full terms and conditions can be found here 10% discount code for Sportsbikeshop with Devitt.

***Up to 90 days EU cover is included in all our motorcycle policies. Please see your policy documents full details.

FAQs about motorbike insurance

Motorbike insurance doesn’t have to be confusing. Find answers to common questions with our helpful answers below. Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

Can I insure a motorbike without a licence in the UK?

If you want to ride a motorbike on UK roads, you must have insurance—and a valid licence to match your bike. Most insurers won’t offer motorbike insurance if you don’t hold the correct licence, like a provisional (CBT) for a 125cc. If you own a bike but don’t plan on riding it, you’ll need to either declare it as SORN or cover it under your home insurance.

Can you test ride a motorcycle without insurance?

No, you can’t ride a motorcycle on public roads without insurance—it’s illegal and could lead to points on your licence or hefty fines. If you’re buying from a dealer, they usually provide cover for test rides. For private sales, you can test ride if the bike is already insured, or if your own insurance covers riding other bikes. If not, consider having a friend or relative with the appropriate cover to test ride it for you.

Can I insure my friends’ motorcycle?

No, you must be the registered owner and keeper of the bike to insure it. If you want to ride a friend’s motorcycle, they can add you as a Named Rider on their policy. Alternatively, if your insurance offers Riding Other Bikes cover, you might be able to ride it on a third-party basis, but the bike itself must still be insured. Be sure to check your policy for these options.

Can I insure a motorcycle I don't own?

No, you generally can’t insure a motorcycle you don’t own because insurers require you to have an insurable interest in the bike. However, this doesn’t apply if the motorcycle is under a finance or leasing agreement. Some insurers might allow you to insure a bike owned by your spouse, but this varies by company. It’s always best to check directly with your insurer.

Can you transfer motorcycle insurance?

Yes, many insurers allow you to transfer your motorcycle insurance to a new bike, if it meets their criteria. It’s best to contact your insurer before buying a new bike to ensure a smooth transfer. Timing the switch at the end of your policy year can also make things easier. Keep in mind, you can’t transfer your insurance to another person, but you can add them as a Named Rider on your policy.

Can I insure a motorbike for six months?

At Devitt, all our motorbike insurance policies are for a 12 month term. If you need short-term insurance, other companies might offer six-month or temporary cover. While you could set up a full-year policy and cancel it early, keep in mind there would be cancellation fees, and you wouldn’t earn a No Claims Discount unless the policy runs for the full year.

What If I have a custom or modified bike?

We offer custom bike insurance to ensure all your modifications are properly covered in the event of a claim. If you’re unsure what counts as a modification versus an accessory, our guide has more information.

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Our reviews

Don't just take our word for it, see what UK motorcyclists say about our insurance policies and service...

October 8, 2025StarStarStarStarStar

Easy to navigate and great price

Easy to navigate and great price

- JAMES PYNE

October 8, 2025StarStarStarStarStar

Quick and easy

Quick and easy

- customer

October 8, 2025StarStarStarStarStar

Insurance vehicle

Very impressed with what was offered to me, top marks

- John Leighton

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