Bike Insurance Quotes

How you could get cheaper motorbike insurance

22 tips to consider if you are looking for cheap motorbike insurance quotes:

1. Compare quotes

Probably the easiest way to save. Shopping around means that you have a higher chance of finding a cheaper deal than your current provider might be offering.

Motorbike insurance is a relatively generic product in a competitive environment, with constantly changing prices. The lowest cost broker one day might not be the cheapest for you a few days later, so it can pay to compare.

2. Choose the right level of cover

Comprehensive bike insurance isn’t always the most expensive, and could even (sometimes) be the cheapest option. If your bike is old or not worth much and you only need TPO or TPF&T, it’s always worthwhile looking at the other two levels of cover.

They could be more inexpensive, or offer better value for a similar price. Always make sure you know what your cover includes and excludes. Compare options to make sure you’re getting value for money, and the minimum level of cover for your budget.

3. Pay annually

If you can, it’s usually cheaper to pay for your bike policy annually. Monthly payments often include an interest charge, which can make the total cost of your policy more expensive. When searching for cheap motorbike insurance, you can switch between annual and monthly payments to see the costs for each.

4. Improve security

The more layers of security your bike has, the lower the chances of it being stolen. D-locks, ground anchors, alarms, disc locks, GPS trackers etc are all worth considering.

Some bike insurers will give discounts for certain industry approved security measures, but even if the security you choose don’t result in cheaper bike insurance, avoiding a bike theft will not only save a lot of hassle, it could prevent excessive premium hikes in the future.

Your insurer may ask for proof of installation, so remember to keep a record.

5. Don’t over estimate your annual mileage

The more mileage you put on your bike in a year, the greater the risk to your insurers and the higher your premium. Over-estimating your mileage can lead to higher than necessary quotes, so take some time to think carefully about how many miles you’ll expect to do.

If you’re unsure, it can help to reference your old MOTs. This can easily be done on the gov.uk MOT history checker, but does of course assume you’ve had one bike for at least a whole year.

Lower mileages should result in cheaper bike insurance, but remember to inform your provider if you think you’ll exceed the stated mileage.

6. Budget for the extras

Helmet and leathers cover, personal accident and legal protection are all great to have, but think carefully because they can all add up to make your cover less affordable.

If you know you’ll need an add‑on such as breakdown cover, it can often be cheaper in the long run to opt for a more expensive policy that includes it, rather than choosing a cheaper plan without cover and then paying extra to buy it separately from a breakdown provider.

7. Take an advanced training course

Even if you think you posess the skills of Toprak Razgatlıoğlu, extra bike training is always a good idea - and can lead to discounts with some insurance providers.

On the motorcycle quote journey, you can select from the following advanced riding courses that some insurers may offer a reduction for:

• IAM Roadsmart Advanced Rider
• Bikesafe
• BMF Blue Riband
• DVSA Enhanced Rider Scheme
• ROSPA Advanced Motorcycle Test

* There are also some training courses listed that are no longer available but could still reduce premiums. Police motorcyclists could also qualify for reduced premiums (advanced police motorcyclists).

8. Work on your no claims bonus

The longer you can keep you bike insurance claim free, the more of an NCB you’ll be able to build. Most insurers will add a % discount for each claim free year (up to a maximum), which can result in some significant savings.

You can usually pay extra to protect your NCB.

9. Avoid modifications

Modifications can make your bike more expensive to repair or replace, and therefore result in pricier premiums – especially if they increase performance or value. For a better chance of cheap motorbike insurance, it’s best to leave your bike factory standard.

If you have any modifications on your bike, always remember to declare them to your insurer.

10. Think about the bike

Older, slower, less expensive bikes are typically cheaper to insure than the latest, fastest, tech-laiden marvels. They can be difficult to resist, but if the total cost of bike ownership is important to you, then running an older, smaller capacity machine should result in significant cost savings – not only from an insurance perspective, but also with more economical overall running costs.

Choosing a popular or more common bike can also make the risks easier to assess for an insurer, which may result in cheaper bike insurance. Particularly exotic, rare or unusual machines might be more difficult and costly to insure.

11. Get the valuation right

Make sure the stated value of your motorbike is correct - especially if renewing with the same broker who might not have depreciated the previous years value.

It's worth getting this right as quotes can vary significantly based on stated values - even though insurers will usually pay out the market value if it's stolen or written off.

An estimated value from an independent vehicle valuation provider will automatically populate the "how much is the bike worth" field when you enter your registration number on the first page of the quote journey.

12. Voluntary excess

Bike insurance usually comes with a standard excess applied, but you can opt to voluntarily increase the amount you pay towards a claim. The more your voluntary excess, the higher the discount can be on your premium.

Just be sure that you’re prepared and can afford to pay the extra in the event of a claim.

13. How you use the bike

The more intensively you use your bike, the higher your insurance costs are likely to be. Will you really be using your motorbike for business purposes and commuting, or is it for sunny Sunday leisure rides only? Don’t over insure your bike if you’re not going to be using the cover.

14. Overnight parking

If you have a garage, use it for your motorbike. Garaged bikes typically qualify for lower cost insurance. A garage will usually be defined as being of solid brick or concrete construction, but other types of “garage” can be acceptable such as shipping containers, solid metal sheds or even timber sheds. The floor will usually need to be a solid concrete base – but check with your insurer to see if your intended garage meets their necessary criteria.

15. Stay in the UK

If you’re touring Europe over the summer, you’ll need to make sure you’re covered. Although some insurers offer EU cover as standard, it’s often a more expensive add-on to your policy. Consider taking your biking holidays in the UK, and you’ll stand a better chance of cheaper motorbike insurance quotes.

16. Join a biking organisation

Some insurers give discounts to those bikers who are members of clubs and organisations such as the BMF or MAG. If you’re a member, you can select the relevant organisation on the quote form.

17. Multi bike cover

If you have more than one motorbike, multi-bike insurance can work out cheaper overall than several stand-alone policies.

18. Budget for administration fees

If you think you might need to change your details during the duration of your policy – e.g. if you’re moving home, changing your bike or adding a modification, then many brokers will charge an admin fee to process the change.

Fees varies from broker to broker, and some might do it for free. It’s worth budgeting for this when buying your bike policy if you think you’re likely to make a change.

19. Avoid the auto-renew

It can be tempting to let your policy automatically roll over at renewal time, but you could make a saving by switching provider – even if your circumstances haven’t changed. If you do find cheaper motorbike insurance with someone else, remember to cancel your auto renewal to avoid paying for two policies.

If you’d prefer to stay with your current insurer, give them a call. Brokers can sometimes apply additional discounts to your policy if it looks like you’re about to leave. You can only really do this over the phone so it does take more effort, but could reward you with a saving.

Online quote systems don’t have the flexibility to negotiate. Remember to let your broker know what your cheapest motorbike insurance quote has been so far, to see if they can achieve a lower price. If you don't ask, you don't get!

Don’t assume if your current motorbike insurer was the cheapest option last year that they will be again when it’s time to renew. It’s a competitive market, and prices are constantly changing.

20. Honesty is key

Never be tempted to lie on the quote form just to get the cheapest motorbike insurance quote. Answer carefully, but always be truthful.

If you're curious about hypothetical situations or want to tweak job titles or mileage, you can easily update your details and re-run the quote to see the impact of your choices - but always give accurate information if you plan to buy a policy.

If you need to make a claim, your motorbike insurance could be voided if you are found to have lied.

Any savings you might have made if you found a cheap bike insurance quote can quickly be wiped out (and much, much more) if you have to pay for the damage/theft of your bike, or even to other people and their property from your own pocket.

21. Pillions

Be realistic about whether you’ll ever be taking passengers. Some policies include pillion cover as standard, but this can add extra cost with many motorbike insurance brokers. It’s often cheaper to remove pillion cover, as people riding on the back of your motorbike represents an extra risk for the insurer.

22. Think about your job title

Motorbike insurers analyze claim records and accident data linked to various occupations, resulting in higher or lower risk profiles of certain jobs.

Since not every job title is included in the list, you’ll need to select the closest match when asked about your occupation. If more than one option fits, it’s worth trying quotes under each, as one may come out cheaper than the other.

It's essential to be accurate about what you do for a living - misrepresenting the facts can void coverage.

Special offers, deals and discounts

Keep an eye out for any special offers, price savings or discounts highlighted on the quote results page. These aren't always price discounts, but could offer additional value if extras are added that brokers wouldn’t normally include.

Price sensitive questions

Price sensitive questions are highlighted during the quotation process. Pay extra attention when filling these in, because the final price of your policy will depend on your answers.

No matter whether you plump for the cheapest motorbike insurance you can find or go for a more comprehensive package, always be sure to read the documents carefully before buying. This ensures you’re getting the right bike policy for your circumstances, and aren’t over paying or under insuring your bike.

Cheap motorbike insurance FAQ's

Ready for more affordable bike insurance? Get a quote now and see how much you could save!

*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in June 2025 were quoted less than £255.01. The price you could achieve is dependent on your individual circumstances.