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Bike Insurance

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What is bike insurance?

Just as car insurance is an important legal requirement, motorbike insurance is too if you’re using your vehicle on public roads. This includes if the bike is just stored on a public road, and you don’t ride it. Off-road quad bikes and bicycles don’t have to be insured but it might still be a wise decision for peace of mind and protection in the event of an accident. This is especially worth considering if you use your push bike or quad bike on a regular basis and are therefore more likely to have an accident.

For motorbikes, push bikes, and quad bikes, having insurance can protect you if your bike is stolen or damaged. It’s also an advantage if you’re involved in an accident whilst you’re out on your bike. You can also purchase specialist learners motorbike insurance. Whatever your level of riding experience is, Insuro can help you find a good value insurance policy to match.

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AXAEndsleigh InsuranceDebenhamsOne Call Insurance
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How much does bike insurance cost?

Predicting how much your bike insurance is going to cost can often be a challenge. There are a number of different factors that influence how much your premiums are likely to be. We can help you get a great deal - getting your motorbike insurance through Insuro costs an average of £132 per year!

The type of bike you have is likely to be an influence on how much your insurance costs. Quad bikes and motorbikes are likely to cost more to insure than push bikes. If you’re looking at push bike insurance, mountain bikes and road bikes might also differ in how much insurance costs. Customised choppers and cruisers can be of higher cost than standard motorcycles whilst high performance sports bikes are likely to have higher premiums than a basic push bike.

For motorbikes, there are even more factors to think about. A top-of-the-line or high powered bike is naturally going to be more expensive to insure than a more basic model. If you’re currently looking into buying a motorbike, the difference in insurance costs might be worth thinking about when you’re making a decision.

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Fantastic service I had a renewal price of over £850 from my current insurance which had gone up by £150 from last year I now have a new insurance company and its £421 saving me over half the price amazing 👍👍👍
Andrew
Saved me hundreds on my car insurance. Hadn't heard of them before but will defo be back again.
Rachel Turner

Insuro bike insurance

Are you looking for affordable bike insurance that gives you great cover? Insuro is the place to compare cheap insurance quotes from a variety of insurance providers. Finding your insurance doesn’t have to be a headache. If you’re uncertain about which policy to choose, our handy tool means you can easily find quotes and compare the options to get bike insurance that meets your needs and works for you.

Whether you’re a new or experienced rider, and regardless of the type of bike you want to insure, we can help you find comprehensive and affordable quotes that suit your needs. An affordable insurance policy is a great advantage for any bike rider, regardless of whether you’re legally required to insure your bike or not. Don’t take the risk and end up out of pocket – find low cost insurance quotes for motorbikes, push bikes, and quad bikes today with Insuro.

What is bike insurance?

Just as car insurance is an important legal requirement, motorbike insurance is too if you’re using your vehicle on public roads. This includes if the bike is just stored on a public road, and you don’t ride it. Off-road quad bikes and bicycles don’t have to be insured but it might still be a wise decision for peace of mind and protection in the event of an accident. This is especially worth considering if you use your push bike or quad bike on a regular basis and are therefore more likely to have an accident.

For motorbikes, push bikes, and quad bikes, having insurance can protect you if your bike is stolen or damaged. It’s also an advantage if you’re involved in an accident whilst you’re out on your bike. You can also purchase specialist learners motorbike insurance. Whatever your level of riding experience is, Insuro can help you find a good value insurance policy to match.

Types of bike insurance

Bike insurance falls into three broad categories. You might assume that more comprehensive plans typically have higher premiums, but this really depends on the individual insurance provider. It’s worth thinking carefully about the level of cover you really need and checking the options thoroughly to see where you can get a great deal.

It’s important to understand what each type of insurance covers and what the individual plan you select covers too. This helps you to work out what you’re looking for. You can usually split bike insurance policies into these categories:

Third party only – the minimum level of insurance required for motorbikes. Third party only insurance covers damage you cause to others and their property with your bike but doesn’t protect you or your bike.

Third party fire and theft – this is the same as third party insurance but includes additional coverage if your bike is stolen or damaged in a fire.

Comprehensive cover – this also covers repairs for the bike. In some cases, it also covers personal injury to you but it’s important to always check the policy details.

Adding extras to your policy

Do you want comprehensive cover? Or you’re looking for more basic insurance with a few important add-ons? Similarly, to car insurance, with bike insurance it’s possible to add a number of different extras to make your policy a great fit for your needs. Perhaps you want motorbike breakdown cover, pillion cover, or insurance for a sidecar – there are plenty of extras you can add to your policy and it’s worth thinking about what the priorities are for you.

With Insuro’s quote comparison service, you can find insurance providers that offer the additional services you need immediately. Every bike rider is unique, so why shouldn’t you have insurance that’s customised to suit you? Extras you might want to include in your policy are:

  • International coverage if you ride your bike overseas
  • Helmet and leathers cover to protect your gear
  • Key cover
  • Personal accident cover in case you’re injured
  • Pillion cover in case passengers are injured
  • Breakdown cover

How much does bike insurance cost?

Predicting how much your bike insurance is going to cost can often be a challenge. There are a number of different factors that influence how much your premiums are likely to be. We can help you get a great deal - getting your motorbike insurance through Insuro costs an average of £132 per year!

The type of bike you have is likely to be an influence on how much your insurance costs. Quad bikes and motorbikes are likely to cost more to insure than push bikes. If you’re looking at push bike insurance, mountain bikes and road bikes might also differ in how much insurance costs. Customised choppers and cruisers can be of higher cost than standard motorcycles whilst high performance sports bikes are likely to have higher premiums than a basic push bike.

For motorbikes, there are even more factors to think about. A top-of-the-line or high powered bike is naturally going to be more expensive to insure than a more basic model. If you’re currently looking into buying a motorbike, the difference in insurance costs might be worth thinking about when you’re making a decision. Some other things that might affect your premiums include:

  • Your age
  • Your postcode
  • The bike’s mileage
  • The cost of the bike
  • The type of motorbike
  • The engine size
  • Modifications to the bike
  • Security features
  • Any past driving convictions
  • How you store the bike overnight
  • How you use the bike
  • The voluntary excess you pay

Added to that, different types of insurance policy are going to have different premiums. Any extras you choose to add onto your plan will also increase your monthly premiums. On the other hand, if you pay more voluntary excess, this can lower the cost of your monthly payments.

It’s important to make sure you have sufficient cover but to get a great deal it’s worth considering what your needs are. If your bike is rarely in use, you might prefer a lower level of coverage. If you’re constantly on the road, more comprehensive cover could be a smart idea.

Motorbike use classes

Motorbikes have several classes of use. Insurers use the class you fit into to decide the level of risk there is to insure your bike. This can help them to calculate how much your insurance should cost. It’s essential to be honest about how you use your bike, otherwise it might void your insurance in the event of a claim. The classes of motorbike use are:
Social, domestic, and pleasure – when you only use your motorbike for leisure travel.
Social, domestic, pleasure, and commuting – when you use your motorbike for leisure and for travelling to and from work.
Social, domestic, pleasure, commuting, and business – when you’re also using the bike for business purposes, for example if you’re a motorbike courier.

Why compare bike insurance with Insuro?

Sifting through quotes and finding the right insurance policy for you can be time-consuming, confusing, and not very interesting. When you compare bike insurance with Insuro there’s no need to spend hours comparing the options or getting confused between different policies. Our service makes it quick and easy to find quotes that give you the cover you want and to compare the options from a wide variety of different providers. From small niche insurers to household names, we provide you with a selection of quotes in an instant.

Large choice of providers

We instantly find and compare quotes from more than twenty bike insurance providers so you can easily see your options all in one place. This makes it so easy to compare the costs and see what each policy includes as standard, as well as the extras that are available. This helps you to build the bike insurance coverage that’s the right match for your needs.

Easy to understand

Choosing insurance can feel confusing, but that’s where Insuro comes in. We present your quotes to you in a way that’s clear and easy to understand so you know exactly what’s on offer. This makes it simpler to compare the quotes and find the provider that can offer you a great deal on motorbike, push bike, or quad bike insurance.

Easily retrieve your quotes

At Insuro we understand that choosing insurance can sometimes be a big decision, especially if you’re insuring a bike for the first time. If you can’t decide immediately or just need a bit of time to consider your options, it’s not a problem for us. We make it easy to retrieve your quotes later on so you can check the details again or take some time to think about which policy you want to go for.

Find low cost insurance

We understand that you want to spend your money on other things than insurance. That’s why we specialise in showing you low cost, high cover quotes that give you reliable cover without having excessively expensive premiums. We want to give you the best possible chance of finding a great deal at a price you love, so we focus on showing you affordable policies from trusted providers.

Quotes without bias

We’re not here to push an agenda or encourage you to sign up to a certain insurance provider. We check a number of options and present them to you without bias, giving you the freedom to make the right decision for you and your needs. Our goal is to help bike riders find the insurance that suits them as individuals and gives them the cover they want, not to encourage a one-size-fits-all policy.

Never take chances

Bike insurance gives you genuine peace of mind so comparing the options with Insuro makes sense. Even if insurance isn’t a legal requirement for the bike you own, it can give you the reassurance that you’re covered in case anything does go wrong. Whether you only need basic cover or are looking for a more comprehensive insurance policy, finding bike insurance through Insuro ensures that you never have to take chances when you’re out on your wheels.

Why get bike insurance?

Even if you use your bike infrequently, getting insurance is still worthwhile. On top of the legal requirement for motorcycle owners, insurance is wise for any bike rider. Compared to other types of road vehicle, bikes offer less protection to riders. On a motorbike, you might also be travelling faster than you would in a car or other road vehicle. Potentially this puts you at greater risk of an accident or serious injury, so knowing that you’re properly insured can put your mind at ease and help you to enjoy life on the road. Insurance also gives you peace of mind that your bike is protected even when it’s parked or not in use.

Information for getting your quotes

There are a few bits of essential information you need to get some accurate bike insurance quotes with our service. Some of these points are only relevant if you’re choosing motorbike insurance. If you’re ready to go ahead with getting some quotes and choosing the most appropriate bike insurance policy for your needs, it’s worth gathering as much of this information as possible beforehand. This helps you to quickly access low cost insurance quotes and compare the possibilities. Some useful details to help you get an accurate quote are:

  • The make and model of your bike
  • Your motorbike’s registration number
  • Your bike’s year of manufacture
  • Any modifications that were made after the bike was manufactured
  • The value of the bike and the date you bought it
  • How long you’ve held a motorbike license
  • Any driving claims or convictions you have
  • Any additional riders plus any claims or convictions they have
  • Any security devices you use with the bike

Get a quote for bike insurance 2022 today

Are you ready to find and compare low cost bike insurance quotes? Whether it’s for a motorbike, quad bike, or push bike, we can help you find cheap insurance quotes that give you the cover you’re looking for at a competitive price. We search through a number of different providers to present with a range of options, making it easier than ever to find insurance that suits you and your bike. Enter your details now to get started with finding your bike insurance quotes. Alternatively, give us a call if you’d rather hear your quotes over the phone. It couldn’t be simpler to find low cost insurance policies that really work for you.