Motorbike 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 premium is around £200 – £300.

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.

Read our guide on the cheapest motorbike to insure.

If you have just purchased insurance for your motorbike then you will be insured from your inception date, which is the day you chose your insurance to start on. You will find this date on your paperwork.

You can check to see if your motorbike is insured on the Motor Insurance Database, it is a a central database that holds every insured vehicle in the UK.

Your motorbike can take a few days to appear as insured on the MID, it is not automatic or immediate.

The MID is NOT updated on weekends and bank holidays either, so it will not show your vehicle is insured the moment you hit the buy button!

If you have received your insurance documents then this will be enough to prove that you are insured if you need to. The police know that the MID is not immediate too.

Check your own vehicle on the MID here.

Own more than one bike? No problem! We offer multi bike insurance, where you can include all of your bikes on one policy, saving you time and money. We find it best to provide multi bike insurance over the phone so give us a call on 0345 872 3614, calls are charged at local rate which are usually in your inclusive mobile minutes!

Great news, we love custom bikes. We offer custom bike insurance where we will make sure that all of your modifications are properly insured in the event of claim.

Take a look at our guide for determining what is a modification and what is an accessory on your bike if you want some more advice about properly insuring a custom bike!

Scooters, mopeds, cruisers, tourers, sports… whatever style bike you have we can cover it. You can choose from optional extras, include pillion cover to carry passengers, EU cover and more…

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, from three levels of cover to choose from, comprehensive, third party fire and theft or third party only.

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.

All good! We offer third party only cover (TPO), third party, fire and theft (TPFT) and comprehensive insurance for your motorcycle.

TPO can be the cheapest, but not always the cover that you’ll need as there’s no protection if your bike is stolen or damaged; speak to us if you’re not sure of the level of bike cover you need, we’ll be happy to help.

We sure do! 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.

We offer some pretty chunky discounts on our optional extras as well if you want to buy a few of them, see our discounted optional extras packages here.

Good question, insuring a motorcycle doesn’t need to be difficult… you can get motorcycle insurance 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.

Most things, such as your name, date of birth, address etc you should know (!) but a few things such as your NCD, history of claims / convictions, you may want to dig out before you start your quote!

Once you have provided all of your details then we compare motorbike insurance quotes from leading UK insurers to give you the cheapest quote we can get, with the cover you want and need!

The million dollar question! Some things are in your hands, such as your security (use lots!), others are out of your control such as your age or location.

The truth is, there are loads of factors that underwriters have to consider when calculating your motorcycle insurance premium, we will try and make it as simple as possible for you below,

There are lots of reasons to carefully consider the security you use on your motorcycle and obviously getting a cheaper insurance premium is a biggy!

Not only will additional security measures deter theives, but it they will often buy you time if they attempt to steal your bike. No security device will ever stop a determined thief but layering your security devices will definitely lower the probability of it happening to you.

Do as many of these as you can:

• Chain and ground anchor
• Disc lock
• Alarm
• Immobiliser
• Tracker (better chance of recovery if the preventative measures don’t work)
• If you can’t put the bike out of sight, make sure you cover it

Your overnight storage is an essential factor in your motorbike premium, especially if you live in a big city. Leaving your bike on the road or accessible to opportunist bike thieves without other security measures is often going to result in a larger premium, as it’s quite easy to put a bike in a van!

If you’re lucky enough to own a garage, then great. A garage is the best way to store a motorcycle overnight. Locked sheds with concrete bases may be classed as a garage by some underwriters, but it’s always best to get on the phone to us and check.

If don’t have a garage but can store you motorbike out of sight in other ways such as your back garden, behind a locked gate.

If none of the above options are available then you should use a bike cover as a minimum!

Yes it can! 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!

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? Vehicles depreciate in value over time, so make sure you keep an eye on this at renewal.

Unless you own a Classic bike and utilise a form of agreed value. 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 your motorbike to a realistic value to make sure you are not paying more premium than you need.