Compare Motorbike Insurance
UKfinancemarket.co.uk has teamed up with the leading providers of motorbike insurance and price comparison websites in the UK to help you find an excellent deal on your motorbike, scooter or moped insurance.
Our top choice for comparing motorbike, scooter and moped insurance quotes online is Gocompare.com who search and compare prices from a panel of 20 leading specialist motorcycle insurance companies. Get the right cover for your circumstances at a very competitive price.
If you would like a quote from Gocompare.com click on the link above. You will only need to fill in one form and the prices quoted are fully underwritten, not estimates.
Motorbike Insurance Reviews
Why have Motorbike Insurance?
If you live in the UK and ride a motorbike, scooter or moped then the law stipulates that it is a requirement you have motor insurance for your machine. Riding your motorbike, moped or scooter without insurance is therefore not an option. Having your motorbike insured will provide cover in the event you are involved in an accident, or cause injury or damage to third parties and / or their property. It is minimum requirement that riders have at least third-party only cover to drive on the UK’s roads.
Other than third-party only cover, riders can have third-party, fire and theft cover for their motorbike which will cover them for the cost of repairs to another vehicle or for replacement of their machine in the event it is stolen or damaged by fire. For complete cover, riders can have comprehensive cover which will provide full cover including meeting the costs of any damage to your own bike and any other vehicles if you cause an accident.
The cost of motorbike insurance can be very expensive compared to the cost of insuring a car. This is mainly for two reasons. Firstly, because of the fact that motorbike riders account for a large proportion of the deaths on the UK’s roads each year. If a rider is involved in an accident the chances are high that they will at least suffer serious injury and quite possibly death since motorbikes don’t offer the same level of protection as other motor vehicles such as cars or vans. Secondly, because motorbikes are much easier to steal than cars – insurers therefore have to pay out large sums when motorbikes are stolen. In view of these facts many motor insurance companies do not provide cover for motorbikes. Riders therefore have to obtain cover from specialist insurers and brokers.
Buying motorbike insurance online is usually cheaper than obtaining cover over the telephone since many of the specialist motorbike insurers and brokers offer discounts if you buy online. If, after obtaining a quote, you consider the price quoted to be prohibitive or too expensive then you should consider undertaking an Advanced Motorcycle Training and Rider Assessment Course. Successful completion of the course could entitle you to a reduction in the cost of your motorbike insurance. Another way to reduce the cost of your cover is to keep your motorbike locked up in a garage overnight to reduce the chances of it being stolen.
Bear in mind that it is never wise to cancel your motorbike insurance – even when you you are not riding it, say, during the winter months. Some riders may believe that their machine is safe from being stolen if they keep it locked up in a garage during winter and may well cancel their insurance policy. However, this could prove to be a costly mistake and a false economy if the worst happened and your pride and joy was stolen. With no valid insurance cover in place you would have no ability to claim for your stolen motorbike and you would be left out of pocket. As with car insurance, younger riders are likely to face higher insurance costs as are people living in accident ot crime hot spots.
Most popular motorbikes in the UK
Gocompare.com can source you low cost insurance quotes for the most popular motorbike models in the UK, including:
- Touring Motorcycles – Honda NT 700 V, BMW R 1200 RT, Honda ST 1300 Pan European, Yamaha FJR 1300, Harley Davidson FLH
- Supersport Motorcycles – Honda CBR 1000 RR, Suzuki GSXR 600, Suzuki GSXR 750, Suzuki GSXR 1000, Yamaha YZF R6
- Custom Motorcycles – Suzuki GZ 125, Harley Davidson FXD, Jinlun JL 125-11, Harley Davidson FXS, Harley Davidson XL 883 L Sportster
- Naked Motorcycles – Yamaha YBR 125, Honda CG 125, Suzuki GSF 650 Bandit, Suzuki GSR 600, Suzuki GSX 1400
- Sport/Touring Motorcycles – Suzuki SV 650 S, Honda CBF 1000, Triumph Sprint ST 1050, Suzuki GSF 650 S Bandit, Kawasaki ER 6F
- Trail/Enduro Motorcycles – Honda XR 125 L, Suzuki RV 125 (Van Van), Lifan LF 125 GY-3
- Adventure Sport Motorcycles – BMW R 1200 GS, BMW R 1200 GS Adventure, Honda XL 125 V Varadero, Suzuki DRZ 400 SM, Suzuki DL 650 V-STROM
