Motorcycle insurance works similarly to car insurance but has some unique considerations. Here’s what you need to know.
Types of Cover
| Type | What It Covers | Typical Cost |
|---|
| Third-party only | Damage to others, not your bike | £200-£500 |
| Third-party, fire, theft | TPO + fire and theft | £250-£600 |
| Comprehensive | Everything including your bike | £300-£800 |
Since 2019, third-party only and comprehensive differ less than they used to. Get comprehensive quotes before assuming it’s more expensive.
What Affects Your Premium
| Factor | Cheaper | More Expensive |
|---|
| Engine size | Under 125cc | Over 600cc |
| Bike type | Commuter/naked | Sports bike |
| Age | 30+ | Under 25 |
| Experience | 5+ years NCB | New rider |
| Storage | Garage | Street parking |
| Mileage | Under 3,000/year | Over 10,000/year |
| Security | Disc lock, chain, alarm | None |
Security Discounts
| Security Device | Typical Discount |
|---|
| Sold Secure gold chain | 10-15% |
| Disc lock | 5-10% |
| GPS tracker | 10-20% |
| Alarm | 5-10% |
| Garage parking | 10-20% |
No Claims Bonus
| Years NCB | Typical Discount |
|---|
| 1 year | 20-30% |
| 2 years | 30-40% |
| 5 years | 50-60% |
| 9+ years | 65-75% |
Unlike car insurance, motorcycle NCB often resets if you take a break from riding. Check your policy.
Optional Add-Ons
| Add-On | Worth It? |
|---|
| Helmet and leathers cover | Yes for riders with expensive gear |
| Breakdown cover | Yes for older bikes |
| Personal accident cover | Yes if no other life insurance |
| Legal expenses | Usually yes |
| Track day cover | Only if you do track days |
Storing Your Bike
| Storage | Effect on Premium |
|---|
| Garage | Cheapest |
| Shed | Moderate |
| Garden (covered) | Higher |
| Street (uncovered) | Most expensive |
| Secure parking | Moderate |
Tips for Reducing Costs
- Pass your full test — CBT-only riders pay more
- Take additional training — ROSPA or IAM certification helps
- Limit modifications — Aftermarket exhausts and custom parts increase premiums
- Restrict your bike — An A2-compliant bike costs less to insure
- Join a motorcycle group — Some clubs offer discounted insurance
Bottom Line
Motorcycle insurance is cheaper than car insurance but varies hugely by bike type, engine size, and storage. A 125cc commuter stored in a garage with a disc lock and chain can cost under £200/year. A sports bike on the street can cost £1,000+. Choose your bike with insurance costs in mind.
This content is for educational purposes only. Not financial advice. Do your own research before investing.