Compare Bike Insurance

What Is Bike Insurance?

Bike insurance is designed for motorbike, scooter and moped riders. In the UK, you normally need at least third party cover to ride on public roads.

Types of Bike Insurance Cover

• Third party only — The minimum legal level for most riders, covering damage or injury you cause to others.
• Third party, fire and theft — Adds protection if your bike is stolen or damaged by fire.
• Comprehensive cover — Can include protection for your own bike as well as third party claims.
• Scooter and moped cover — Cover for lower-capacity bikes used for commuting, learning or local trips.

What Can Affect Bike Insurance Prices?

Providers can consider different details when calculating quotes. The most relevant factors often include:

• Bike details — Make, model, engine size, value and modifications.
• Rider profile — Age, licence type, no claims history and claims record.
• Storage — Garage, driveway or street parking can affect risk.
• Usage — Commuting, delivery work and annual mileage matter.
• Security — Locks, alarms and trackers may be considered.

Tips for Comparing Bike Insurance

• Compare all cover levels, as comprehensive cover is not always much more expensive.
• Be accurate about commuting, delivery work and annual mileage.
• Check both compulsory and voluntary excess before choosing.
• Declare all modifications, even cosmetic changes.

Bike Insurance FAQs

Do I need bike insurance in the UK?

Yes. To ride a motorbike, scooter or moped on UK public roads, you normally need at least third party insurance.

\n

Can I insure a scooter or moped?

Yes. Many bike insurance providers can quote for scooters and mopeds as well as larger motorcycles.

\n

Does security affect the quote?

It can. Where the bike is kept and whether it has locks, alarms or trackers may be considered.

\n

Related Insurance Pages

• Car Insurance
• Classic Car Insurance
• Breakdown Cover