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The UK is a fantastic place to own a motorbike, giving you the freedom to enjoy some of Britain’s finest roads on two wheels instead of four. There are over 1.3 million motorbikes in the UK, and they all need insurance to legally drive on the road here.

You can compare cover levels and prices from a range of providers to find a policy that suits your needs. Forces Compare introduces you to Quotezone, whose comparison service lets you view home insurance quotes from multiple providers in one place. So, let’s take a look at some of the main aspects of motorbike insurance, including types of coverage, factors affecting premiums, and tips for comparing insurance policies effectively.

How much is motorbike insurance?

Motorcycle insurance is very similar to car insurance, but in many cases it’s a fair bit cheaper. The cost of motorbike insurance in the UK varies widely based on several factors. In 2023, the average cost of a motorbike insurance policy was £444, but what you pay will depend on your circumstances and needs.
As mentioned, several things determine the cost of motorbike insurance. Below is a general overview of what lenders factor in when giving you a quote for a motorbike insurance policy:

Type of coverage

There are various types of coverage available for motorbike insurance. Each option will have its own level of coverage and exclusions, which affects the overall price of the policy. The main types of coverage include:

• Third-party only (TPO): This is usually the cheapest option because it offers the minimum level of coverage required by law. As the name suggests, it will only cover third-party damages.
• Third-party, fire and theft (TPFT): This plan is typically more expensive than TPO because it provides additional protection against theft and fire.
• Comprehensive: The most extensive and therefore usually the most expensive type of coverage, offering broad protection.

Personal factors

Another thing that will affect the price of quotes you receive is your circumstances. Age is a big factor, with younger riders (under 25) experiencing higher premiums due to the higher perceived risk of accidents. Experience also comes into play here, with more experienced riders – especially those with advanced riding qualifications – enjoying lower premiums. Where you live and ride will also impact your quote prices, as areas with higher rates of theft or accidents will cause insurance prices to rise.

Motorcycle factors

The type of motorcycle you ride can make a big difference in the price you pay for insurance. High-performance or luxury bikes generally incur higher insurance costs due to their value and theft appeal. The size of your engine will also have an impact, with larger engines typically leading to higher premiums. If you have modified your bike in any way, this too will increase the cost of your policy.

Usage

How you use your motorcycle will also cause fluctuations in your quote prices for motorcycle insurance. The most commonly understood factor for this is your annual mileage. The more you ride (and the more miles you do) means more potential risk of accidents, which can cause your insurance costs to increase. Also, if you use your bike for commuting or business purposes, it might attract higher premiums than those used occasionally or for leisure.

History and security

Your driving history and how you safeguard your motorcycle are two other areas that can affect your policy price. A history of claims can indicate a higher risk and result in increased premiums. If you have any security measures to protect your bike, such as secure storage or anti-theft devices, they can help lower your risk of theft, which lowers your insurance cost.

Best motorbike insurance providers

Identifying the best motorbike insurance provider involves evaluating a mix of competitive pricing, comprehensive coverage options, and excellent customer service. With the help of Forces Compare, this time-consuming task is made easy. We can help you compare quotes online from some of the UK’s top insurers. However, you will need to know what to look for in a policy to make sure it’s the best one for you. So, let’s consider what you should be wanting out of a top motorbike insurance policy:

Special features

The best motorbike insurance policies often include several value-added features that enhance their attractiveness. This might include things like multi-bike discounts if you want to insure more than one motorbike. If you’ve modified your motorcycle, then you’ll want to look for policies that will cover these custom parts – but this is typically a special feature. Or, if you’re a regular rider across mainland Europe, look out for policies that will offer European coverage.

Customer service

The level of customer service is important in insurance, especially when handling claims. For many people, finding an insurer with good customer service is a big factor. So if this is true for you, then make sure you can find an insurer who offers things like a dedicated advisor or 24/7 claims assistance. By working with an insurer who handles customer service well, you can take much of the stress away from the claims process if you ever need to use it.

Using Forces Compare

We strongly recommend using Forces Compare to compare policies and get a broad view of what different insurers offer. You can compare cover levels and prices from a range of providers to find a policy that suits your needs. Forces Compare introduces you to Quotezone, whose comparison service lets you view home insurance quotes from multiple providers in one place. Just make sure that you provide accurate information to receive quotes that perfectly align with your circumstances and needs.

Different types of motorbike insurance policies

Understanding the various types of motorbike insurance policies available will help you choose the right coverage for your needs. Each type offers different levels of protection, affecting how well you are covered in different scenarios. Here’s a detailed look at the most common types of motorbike insurance policies available in the UK:

Third-party only (TPO)

Third-party only (TPO) insurance is the minimum legal requirement for motorcyclists in the UK. It covers damage to all third-party property in the event of an accident you have caused. It will cover the costs of repairing the damages associated with the accident – but only for the third party involved. It will also cover any medical costs associated with the accident, but again this is only for the third party. TPO does not cover any damage to your own motorbike or personal injuries you might sustain.

Third-party, fire and theft (TPFT)

Third-party, fire and theft (TPFT) insurance includes everything covered by TPO, with additional protection for theft and fire damage. So, if your motorcycle is stolen, then you can use this insurance to cover the cost of replacing it. Similarly, if the motorcycle is damaged due to fire, you can use this coverage to repair or replace your bike.
This type of policy is a middle ground between the basic TPO and the more comprehensive coverage options, providing some protection for your bike while keeping costs lower than a comprehensive policy.

Comprehensive insurance

Comprehensive insurance offers the most extensive coverage and includes all the protections offered by TPFT as well as a few enhanced protections for you. This includes:

• Damage to your motorbike: This includes repairs or replacement of your bike not only in the case of theft or fire but also if you damage it in an accident, regardless of who is at fault.
• Personal injury: Comprehensive coverage may also include medical treatment costs for injuries you sustain in an accident.
• Accidental damage: Coverage for accidents like spills or collisions that might occur even when you’re not on the road (e.g., while parked).

Understanding these different types of motorbike insurance policies helps you make an informed decision that ensures both compliance with legal requirements and adequate protection for yourself and your bike.

Temporary motorbike insurance

Temporary motorbike insurance provides a flexible coverage option for riders who need insurance for a short period, ranging from a few days to several months. This type of insurance is ideal for various situations, such as borrowing a friend’s bike, test-driving a motorcycle before purchase, or enjoying a holiday ride.

When to consider temporary motorbike insurance

Temporary motorcycle insurance is a situation-specific type of policy that is best suited for certain circumstances. For example, if you’re borrowing a motorcycle from a friend or family member for a short trip, this type of policy is a great stopgap to keep you covered. It can also be used if you’re not a regular rider, as you can pick up temporary coverage for occasional use. It is also quite useful when buying a new bike, as you can use this type of policy to remain covered during test drives.

Benefits of temporary motorbike insurance

The main benefit of temporary motorbike insurance is the flexibility it offers. You can choose exactly how long you need the coverage for, whether that’s a day or a few months. It also works out as a cost-effective option as you won’t have to pay for a full year of coverage.

Temporary motorbike insurance options

Temporary motorbike insurance policies generally offer similar types of coverage as standard policies but for a shorter duration. These include:

• Third-party only: The basic level of cover, dealing with damage to others but not to your own bike.
• Third-party, fire, and theft: Adds protection against theft or fire damage to your bike.
• Comprehensive: Full coverage that includes damages to your bike and yourself, regardless of fault.

Temporary motorbike insurance is a practical solution for riders needing short-term coverage without the commitment to a year-long policy. Whether it’s for a casual ride, a holiday, or an emergency, it provides essential protection and peace of mind.

Learner motorbike insurance

Learner motorbike insurance is specifically designed for riders who are still in the process of obtaining their full motorcycle licence. Riding a motorbike on public roads in the UK requires at least provisional insurance coverage when learning. This type of insurance meets legal requirements but also protects learners from the financial repercussions of accidents and injuries.

Why is learner motorbike insurance necessary?

The primary reason for getting learner motorbike insurance is that it’s legally required to have insurance to ride on public roads, even as a learner. So, without this type of coverage, you can’t legally ride on UK roads. Beyond the legalities, these policies can help protect against liabilities and will cover the costs associated with damage or injuries caused to third parties or if your bike is stolen.

Learner motorbike insurance coverage options

Learner motorbike insurance typically mirrors the standard insurance types but is adjusted for the increased risk associated with inexperienced riders. The common types of coverage include third-party-only coverage, third-party fire and theft and comprehensive.

Features of learner motorbike insurance

One of the main characteristics of these policies is that they cater to learner riders. Many insurers offer policies that can be adjusted once the learner passes their test, transitioning from a learner policy to a standard one without starting a new policy. Learners can opt for shorter durations of coverage, which can be more cost-effective if they plan to take their test soon.

How much does learner motorbike insurance cost?

The cost can be higher than standard policies due to the increased risk associated with inexperienced riders. Factors influencing the price include:

• Age of the rider: Younger riders typically face higher premiums.
• Type of motorbike: High-performance bikes or larger engines may increase the cost.
• Location: High-risk areas for theft and accidents can lead to higher premiums.
• Duration of the policy: Short-term policies might have higher daily costs but lower overall expenses.

Tips for reducing learner motorbike insurance costs

The cost of learner motorbike insurance can be higher than standard policies due to the increased risk associated with inexperienced riders. This, coupled with the fact that many learner riders are young, can make this type of insurance prohibitively expensive. Thankfully, there are a few things you can do to help reduce costs, such as implementing anti-theft devices on your motorcycle. You might also want to look at adjusting the excess on the policy, as this can lower the premium. However, make sure it’s an affordable excess so you can use it to claim.
Learner motorbike insurance is really important for new riders. It not only meets legal obligations but also provides peace of mind during this learning phase. Choosing the right coverage and understanding the policy details are key to getting the best protection at a reasonable cost.

125cc motorbike insurance

Insurance for 125cc motorbikes is a specific category within the broader motorbike insurance landscape, catering to riders of lower displacement motorcycles. These bikes are popular among new riders and commuters due to their efficiency and ease of handling. Understanding the nuances of insurance for 125cc bikes is essential for obtaining adequate coverage at a reasonable cost.

Importance of 125cc motorbike insurance

Like all motorbikes, 125cc bikes must be insured to be legally ridden on public roads. The importance behind this is that it offers protection for riders. Insurance helps cover the costs of accidents, including damage to the bike and potential liabilities if other people are injured or their property is damaged. It also provides financial protection against theft, which can be particularly important for city riders where small bikes are often targets.

What influences the price of 125cc motorbike insurance?

The cost of insurance for 125cc motorbikes can be influenced by several factors. Depending on your circumstances, these factors will dramatically alter the price of your insurance quotes. They include:

• Age of the rider: Younger and less experienced riders generally face higher premiums.
• Riding history: A clean riding record can reduce insurance costs, while a history of claims may increase them.
• Security measures: Using locks, alarms, or secure parking spots can lower premiums by reducing the risk of theft.
• Location: Living in an area with high rates of theft or accidents can increase the cost of insurance.

Insurance for 125cc motorbikes is generally more affordable than for larger motorcycles, but it still requires careful consideration to ensure that you are fully protected without paying for unnecessary extras. Tailoring your policy to match your specific needs and circumstances can help you enjoy your ride with peace of mind and without breaking the bank.

Find the right motorbike insurance with Forces Compare

Choosing the right motorbike insurance requires careful comparison and consideration of your specific needs. By understanding the different types of coverage and what factors affect premiums, you can make an informed decision that ensures both your financial protection and peace of mind while riding. Remember, the cheapest option isn’t always the best, so consider what you’re getting for your money and choose the coverage that best fits your lifestyle and risk profile.

At Forces Compare, we want to make it easier for you to find a motorbike insurance policy that suits you. This will help you find the perfect coverage at a price that suits your budget. It’s really easy and only takes a few minutes. So, are you ready? Click the Get Quote button to get started.