We’ve combined online customer reviews with ratings from independent review services such as Which? to rank the top motorcycle insurers. You can compare prices and cover levels of providers such as Bennetts using Gocompare.com.
- Bennetts Motorcycle Insurance
- MCE Motorcycle Insurance
- Hastings Direct Motorcycle Insurance
- Carole Nash Motorcycle Insurance
- Direct Line Motorbike Insurance
- Devitt Bike Insurance
- AA Motorcycle Insurance
- LV= Motorcycle Insurance
- Aviva Motorbike Insurance
- Just Motorcycle Insurance
Other providers such as Harley Davidson, BMW and Suzuki insurance services score well with financial services review firms, but we have excluded them because they are specialist services for specific types of motorbikes.
We compiled our top 10 list based on the ratings from independent financial review services. Our top ranking companies all have above average features, and ranked high on the list of providers recommended by Which?.
We combined these scores with online customer reviews from websites such as Reviews.co.uk, Reviewcentre.com and Trustpilot, where customers rate providers based on reliability, trustworthiness and their claim handling process. This method means both the quality of the product and customer experience are taken into account.
Find out how much insurance for your bike will cost using Gocompare.com.
If you ride a moped you can find out more about moped insurance here.
Do you need motorcycle insurance?
Like car insurance, motorcycle cover is a legal requirement. Even if you keep your bike off the road (unless you have a Statutory off Road Notice with the DVLA) you'll need insurance, if you're caught without it you'll be liable for a fine and your bike can be confiscated.
Of course, insuring your bike isn’t just about following the law. Sharing the road with larger vehicles, and particularly buses and lorries, poses a danger to any bike rider. Getting motorcycle insurance protects both your bike and yourself in the event of an accident. It can also offer cover for claims from other motorists involved in an accident.
You can get a range of quotes tailored to your needs from Gocompare.com.
How much does motorbike insurance cost?
The cost of insurance is affected by factors such as the make and model of bike you ride, your age and postcode and where and when you ride your motorcycle. Generally, the more powerful the bike the more expensive it will be to cover, of course, a 50cc bike ridden by an inexperienced 16-year-old will cost a bit to cover.
There are ways you can influence the cost of a policy and make it cheaper. If you have a full driving licence and take advanced rider courses your insurer may offer you a lower premium. Investing in security devices such as an alarm, security markings, decent locks and trackers can also bring down costs.
If you increase your excess it will lower the cost of monthly payments, but make sure you can afford the excess if you do have an accident.
Why the cheapest quote isn't always best
With cheap motorbike insurance, you get what you pay for.
That said, when researching motorcycle insurance, comparison sites can be a great help. Sites like Gocompare.com allow you to check policy details and the price of our chosen companies, as well as other providers.
Just remember that some providers aren’t on comparison websites so it is worth shopping around. Additionally, some companies create cheaper policies with fewer benefits to appear higher on price comparison tables so make sure you read the fine print of your policy carefully to avoid any surprise charges and exclusions.
What makes a good motorcycle insurance policy?
This also varies according to your personal circumstances, so the first step would be to decide what type of policy you require – third party (this is the minimum required by law and only covers you for damage you cause others and their property), third party, fire and theft, or comprehensive.
If you opt for comprehensive, things to look out for include:
- Are you covered for driving your bike abroad?
- Are you covered for driving other bikes?
- Is there a no-claims discount?
- Is accident recovery included? (Getting you home safely if you break down or have an accident)
- How much money are you covered for in case of loss, damage or theft?
- New for old replacement
You might also want to consider additional cover such as legal expenses, personal accident cover, breakdown and cover for accessories and equipment.
Specialised policies are available for different requirements, including insurance for classic motorcycles, convicted riders and modified bikes, as well as temporary motorbike insurance and six-wheel cover (for those who also drive a car) from Carole Nash Motorcycle Insurance.
Whichever type of cover you opt for, make sure you get the best policy for you (and not just the cheapest) and that you read the policy documents so you know exactly what’s included.
Of course you could always just chance it and hope you get lucky like this guy:
Motorbike stolen with third party only insurance. My friend spots it at garage being filled. Police give chase and capture. I gain full tank— Dr Mike (@mikedilkes) 23 April 2016
But we wouldn’t recommend it!