We’ve combined online customer reviews with ratings from an independent financial review service to rank the top motorcycle insurers. You can compare prices and cover levels of providers such as Bennetts using Gocompare.com.
Best Motorcycle Insurance Cover 2017
- Hastings Direct Motorcycle Insurance
- Devitt Bike Insurance
- Bennetts Motorcycle Insurance
- AA Motorcycle Insurance
- MCE Motorcycle Insurance
- LV= Motorcycle Insurance
- Carole Nash Motorcycle Insurance
- Just Motorcycle Insurance
- Aviva Motorbike Insurance
- Motorcycle Direct Insurance
Other motorbike insurance providers such as Harley Davidson, BMW and Suzuki 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 of the best motorbike insurers based on the ratings from an independent financial review service and 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.
This means that the best companies on the list should provide a decent level of cover and have broadly positive customer service reviews.
Other well-known providers such as RAC also offer cover.
You can get a motorbike insurance quote online from Gocompare.com.
If you ride a moped you can find out more about moped insurance here.
Read on to learn more about:
- Top 10 motorcycle insurers
- Do you need motorcycle insurance?
- How much does motorcycle insurance cost?
- Why cheapest isn't best
- What makes a good policy
- Motorcycle insurance reviews
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 Notification 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, 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 is motorcycle insurance?
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; however, your experience will also make a difference to the price of your premium.
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 may also bring down costs.
If you increase your excess it can 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. The cheapest policies might not cover everything you need, and there's a chance that the excess will be high.
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 to 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!