Discovering the best UK motorcycle insurance.

Humans have an innate tendency to seek the superlative. Whether it's the fastest, the cheapest, the biggest, or simply the best - it's in our nature to seek out the #1.

It's no different in motorcycling, and insurance is a case in point. Bikers are often keen to discover the best motorcycle insurance in the UK. But what exactly do we mean by the "best"? This needs some qualification.

Superlatives and insurance are not natural bed fellows. In a broader advertising sense, superlative claims are those which assert something is superior to all others. This can be quite specific - claims such as "cheapest", "most recommended", "most trusted" - or wider superlative claims such as "the best".

Unless any claims are obvious exaggerations, or "puffery" (i.e. anything the consumer is unlikely to take literally), then they must be supported by evidence.

In the context of insurance - and more specifically motorcycle insurance, this is the reason why any superlatives are usually qualified by an asterisk * symbol and qualifying statement.

This is why you won't typically finding any brokers promoting themselves as the best motorcycle insurance in the UK.

Motorbike insurance a relatively generic product, especially when we consider only the basic policy and exclude extras or add-ons. Because the price of insurance is completely dependent on answers to multiple questions prior to receiving a quote, it's not usually possible to provide sweeping superlative statements that would apply equally to everyone.

Because the circumstances of every biker will always be completely different, any superlative statements (that can be backed up) need to be quite wide ranging in nature.

Top 10 motorbike insurance lists

So how can we compile a list of the top bike insurance brokers?

If price is your main criteria when choosing a motorbike insurance policy, then one of the best ways for an objective, unbiased, automatic compilation of a ranked list is to compare quotes at Biker Insure.

Of course, not every motorcycle insurance broker in the UK appears on the panel. But if you're happy with a comparison of around 25 brokers, then you'll receive a list of the top ranking providers by price.

Based on the information you provide, each broker will provide the best motorcycle insurance quote from their panel of underwriters.

Although not ranked in order, you will also easily be able to compare the features and benefits of each motorcycle insurance broker - such as the level of excess applied, and extras that are included in each policy or which can be bought separately.

It's easy to generate a top 10 list of motorcycle insurance brokers in this way, but of course there are factors other than price that could be taken into account for those wishing to compile top ranked lists.

How to find the best motorcycle insurance for your individual needs.

Aside from using comparison engines like the one available at Biker Insure, bikers can also research sources to help make more informed motorcycle insurance decisions, based on factors other than price:

Customer reviews

Useful for an overview of the top rated motorcycle insurance companies. Review websites such as Trustpilot can be used to rank the best motorcycle insurance companies in the UK based on customer feedback. You can rank the companies from 1 to 10 in accordance with their rating, which could give a generalised indication of how good each broker is on average over a wide range of review criteria relative to their competitors, from best to worst.

This might be one of the best ways to rank motorcycle insurance companies, but do be aware that some review websites might not always be completely objective or impartial.

Word of mouth

Ask around. Talk to other bikers at your local meet. Find out what people consider to be their best and worst experiences with motorcycle insurance. This possibly offers a more objective, real world view of who the top motorbike insurance companies are - and is free from any manipulation.

Word of mouth is probably the best kind of recommendation a business can get because it's much more likely to be genuine - but of course, gathering sufficient information from people's real world experiences to form a definitive top 10 list is a whole research project in itself!

You could also try online communities like Reddit, but always try to view with a discerning or sceptical eye!

Balance price with level of cover and policy extras

Most people will look to balance policy cover and benefits/extras with the price. If cost wasn't an issue, we'd all probably go for the maximum cover, plus all the add-ons and available extras.

In the real world, it's down to you to make the best decision for your individual circumstances, based on the information you can access - and your personal judgement.

It's easy to see at a glance what is or isn't included in each policy on the results page, where you can also find out more by visiting each broker directly.

Read your policy terms & conditions

Policy documents are a key part in understanding if you have the best motorcycle insurance policy for your specific needs.

Although some might find it boring, your policy documents are always recommended reading. If you understand the exact extent of your motorcycle insurance cover, there are less likely to be any nasty surprises in the event of a claim.

Specialist motorbike insurance

Some brokers specialise in or focus on different areas of motorbike insurance, which may mean that you could get a policy better suited to your needs if you're looking for something specific.

This could include brokers that are best known for multi-bike insurance policies, track day insurance, laid up motorcycle insurance, temporary bike insurance, classic bikes, modified bikes and more.

Of course, no one broker can lay claim to being the best in all or even any of these areas because even specialist bike insurance policies are completely dependent on individual circumstances.

10 UK motorcycle insurance brokers

We don't promote any one broker over another for standard motorcycle insurance, but here is a list of 10 of the best known UK motorcycle insurance companies on the panel - in alphabetical order. You can use this list as a starting point to do your own research.

• Bikesure
• Carole Nash
• Devitt
• Express Insurance
• Go Skippy
• Hastings Direct
• Lexham
• Motorcycle Direct
• Principal
• Swinton

10 UK motorcycle insurance underwriters

Another curveball in our quest for the best UK motorcycle insurance is the underwriter.

These are the companies actually providing, or underwriting, the insurance that is being sold by the brokers.

You don't usually hear too much about underwriters, as they are one step removed. It's the broker that has the customer facing role, and they are the companies with whom your day to day contact is with.

You can see who underwrites each policy on the results page by clicking on "more info", then "about the provider".

Underwriters are important because they are the companies who ultimately decide how much, or even if, you will be reimbursed in the event of a claim.

All underwriters have their own distinct policy and price and structures with the brokers.

Here's a list of ten of the most widely used underwriters in the motorbike insurance market, again in alphabetical order. It might be worthwhile doing a bit of research to see which underwriter could be best for you in one of the most important aspects of motorbike insurance - the claims experience.

• Ageas
• Allianz
• Aviva
• AXA
• Highway/LVE
• KGM
• Markerstudy
• Novitas
• RSA
• Zurich

For further help finding the best motorcycle insurance for your needs, visit our page on how to get cheaper motorbike insurance.

In the meantime, why not get a quote and see who the top ten cheapest UK motorbike insurers are on the panel right now:

*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in February 2024 were quoted less than £238.63. The price you could achieve is dependent on your individual circumstances.