Motorbike insurance

Motorcycle insurance you can rely on

Welcome to Devitt. We’ve been providing motorbike insurance quotes since 1936 and we’re actually the very first motorcycle insurance specialist in the UK. We began over 80 years’ ago in East London selling motorcycle insurance through bike dealers, when riders purchased their bike would ride off the very same day fully covered by Devitt.

Many things in the motorcycle industry have changed since then from more powerful machines, to improved safety precautions on both the rider and motorcycle, but one thing has remained constant, Devitt Motorcycle Insurance; its great cover, wonderful customer service and reliability.

When it comes to motorcycle insurance, we do the works. Whatever your need, get in touch and we’ll absolutely do our best to help you and get your bike on the road, with the cover you need.

Do you own more than one bike?

No problem, we can set up a multi bike policy. It’s best to call us for multi bike quote.

Do you have a custom or modified motorcycle?

No worries, we can set up a policy that covers you correctly, again, we recommend you call us for customised bikes.

Will you cover my particular bike model or brand?

Scooters, mopeds, cruisers, tourers, sports… whatever style bike you have we can cover it. From premium manufacturers like BMW and Ducati, to the most popular manufacturers like Honda, Suzuki and Yamaha, all the way to smaller, newer and less expensive manufacturers like Mutt, Herald and Mash. We’ve got the cover that will match your needs and budget.

Are you new to motorcycling?

Get in touch, we can cover young riders and new riders. Best advice here is get a bike to match your ability, build your experience, skills and No Claims Bonus (of course) and you’ll see your premium go down over time.

Do you just want the cheapest motorbike cover?

All good! We offer third party only cover (TPO), third party, fire and theft (TPFT) and comprehensive insurance for your motorcycle. TPO is often the cheapest, but not always the cover that you’ll need; speak to us if you’re not sure.

Do you want all the bells and whistles on your policy, the ultimate, all-in insurance for you and your motorbike?

We’ve got it. Our add-ons include Legal Expenses, Personal Accident cover, Helmet & Leathers cover, four different levels of RAC motorcycle breakdown and more. It’s totally up to you what you want to buy, nothing is auto-included “for free” (ie at a cost to you somewhere). You tailor your policy to suit the cover that you need.

What’s the process for getting my motorbike insured?

Good question, it couldn’t be easier… you can get a motorcycle insurance quote online in minutes or if you need a little extra help, such as when buying insurance for the first time, you may have lots of machines or your bike has various mods, then we advise that you pick up the phone and give us a call. If you’ve had problems insuring your bikes in the past, then speak to us and we’ll do everything we can to get your covered.

Even more helpful content from Devitt about your motorcycle insurance

Motorcycle insurance and modifications. Check out our page all about modifications and accessories.

Wonder who the best motorcycle insurance providers are in the UK? We’ve got a page for the best bike insurers right here.

Need to know the details about motorbike insurance, coverage, questions asked, how it works, what’s important? We’ve got that covered too.

How can I get cheap motorbike insurance?

How can I get cheap motorbike insurance?

This is the million dollar question; bike insurance underwriters will look at a large range of factors when calculating your bike insurance premium and coverage. Read our guide below to give you a better understanding and hopefully help you to lower your motorcycle insurance premium…

Motorcycle security and insurance

Not only will additional security devices fitted to your bike deter thieves, buy you time to notice if someone is attempting to steal your bike, hopefully prevent an attempted theft, potentially help to recover your bike after a theft… but Thatcham Graded  or Sold Secure approved products  can reduce your bike insurance premium with most insurance companies.

If you don’t fancy using security and your opinion is “that’s what my insurance is for” you might want to reconsider. You may have insurance now, but if you’re a victim of a theft then the chances are your premium will go up the following year or another scenario, could be that no insurers will want to insure you in the future!

Importance of overnight storage

Locked Garages are great – if you can lock away your motorcycle, keeping it out of sight securely then you’re an underwriter’s dream (i.e. you’ll get a cheaper premium from discounts and more insurers wanting your business!)

Advanced motorcycle training discounts

Get extra training that’s recognised by insurers to help boost your experience rating.  Insurers will provide discounts for extra motorcycle training courses such as RoSPA, , IAM’s RideCheck & Skills for Life, Enhanced Rider Scheme (ERS) etc.

These discounts can range between 5% and 15%. These discounts are provided by the insurer but brokers such as Devitt (of course) will offer additional discounts for certain additional training on top of what an underwriter may offer you. For example take a look at our page supporting THINK!

Getting your motorbike value right

Have you got your bike value right? You may have purchased your bike for £12,000 five years ago, but is it still worth that now?

Unless you own a Classic bike and utilise a form of agreed value (see below) in the event of a damage or theft claim – the value will be determined by its current market re-sale value, which accounts for current demand, condition, mileage, modifications etc.

Make sure you refresh to a realistic value to make sure you are not paying more premium than you need.

What is the average cost of motorcycle insurance?

Bike insurance can hugely vary depending of a large range of factors from your bike’s value to where you live and everything in-between.

Some policies are as little as £60 and some are as much as £2,000 – it simply depends on your individual circumstances and needs. Generally the average motorcycle insurance premium is around £200 – £300.

Which bikes are the cheapest to insure?

There is no hard and fast rule for this, but think of it like this…

If your bike is worth a lot of money, it costs more to insure that a bike worth very little. This is due to the fact that it’s 1) more expensive to replace and 2) more attractive to thieves.

The age of the bike will obviously have influence on the value too.

If your bike has a powerful engine, and sports styling then once again, you’re going to experience higher insurance. This is due to the bike being able reach high speeds and quickly, therefore the potential for it to be involved in accidents are higher.

If you’re looking for a cheap bike to insure then your best bet is a low value bike with a low to medium power engine, but the problem is that most people don’t want this type of bike!

There are still many more factors at play here such as where you live, your level of security, your riding experience etc. all which will help an insurer to calculate your level of accident / theft risk – and charge a reflective premium.