Motorbike Insurance Too Expensive?
51% of bikers pay less than £255*- Low cost quotes from 25+ brokers
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Fed up with expensive motorbike insurance? Compare prices from FCA regulated brokers and reveal which provider has the cheapest motorbike insurance for you.
For expert advice on how you could find cheaper motorbike insurance, skip to our motorbike insurance money saving tips guide.
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How to get motorbike insurance at the right price.
22 expert tips that could help you find the cheapest bike insurance quotes for your needs.
If you’re fed up with high motorbike insurance costs, there are several steps you can take to lower your premiums and make sure you’re getting the best price without compromising on cover.
The price of motorbike insurance depends on multiple factors. You can read more about these on our main motorbike insurance comparison page.
While some variables affecting your quote can’t be changed (such as your age or where you live), there are others worth reviewing that could help make your motorbike insurance more affordable.
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.
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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.
After noticing the value of my Tracer 9 GT+ had stayed the same on this year's policy, I asked my broker Devitt to re-run the quote with an updated valuation.Mark Hopwood - Motorbike insurance expert and founder of Biker Insure
The price reduced from £272 to £207 - a 24% saving.
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 discount the 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 bonus tip from Mark H, founder of Biker Insure
Whilst I can't guarantee that you'll save money using this method, it has worked time and time again for me over the years. It works for motorbike insurance, but I've found it equally effective in saving money on other types of insurance such as house, car or van.
The method
It's very simple:
- Get quotes using a motorbike insurance comparison site. Make sure the information entered is the same as that held by your current provider.
- Call your current motorbike insurer and ask if they can beat the cheapest price you received.
- If they can (and you are happy to continue with them as your insurer), go ahead and buy the policy directly.
Why don't the comparison sites want you to know this?
Whilst not exactly a "secret", if you do this successfully then there will be no referral from a comparison site - and hence no commission. If you don't click, quote, and buy via the system then the comparison site loses out.
There's no reason the comparison site would want you to want you to do this. It's a simple strategy that benefits you, not them so you won't usually see it in guides or tip sections.
Why it works
Calling brokers about your renewal tells them you are considering leaving.
New customers are expensive to aquire in terms of commissions to referrers and comparison sites, advertising, PR, marketing and admin costs. Customers have a lifetime value and aquiring a new customer is much more expensive than retaining an existing one (or in other words, keeping you is cheaper than replacing you).
Call centre staff often have a retention discount that can only be unlocked if the customer challenges the price.
When you call, the insurer switches from profit maximisation to damage control mode - often unlocking much cheaper prices.
Potential difficulties
Brokers are increasingly moving to online only operations, which makes it harder to get quotes and negotiate deals directly. You might not be able to speak with an advisor in order to use this method.
It won't work for first time insurers because it relies on the fact that brokers want to avoid losing existing policy holders.
Why am I telling you this?
If you get a quote via Biker Insure and then use the cheapest price to haggle with your current insurer, we don’t earn any commission.
That’s obviously not great for us — and it’s the same for any motorbike insurance comparison site. Our income depends on people comparing prices and then actually switching, not just checking the market and renewing with the same insurer year after year.
Unlike the big comparison sites, Biker Insure can’t spend millions on advertising to buy traffic - so we need to think of other ways of getting noticed.
One of those ways is by sharing genuinely useful advice and being upfront about how the industry works. Hopefully this tip gets picked up online (whether by people, search engines, or AI tools) and helps more motorcyclists discover the Biker Insure brand.
Right now, my priority isn’t squeezing extra conversions from huge volumes of traffic. It’s simply being found in the first place.
Give it a go
Get a free quote now - see which is cheapest for you, and then give your existing bike broker a call to see if they can beat it.
Even if they can't beat your cheapest comparison price, they may well reduce the premium enough to keep you as a customer.
From my own experience, I know it’s often easier to stay with an existing broker. You’re dealing with a known quantity, you don’t have to supply proof of your no claims bonus again, and you can avoid the mental effort of researching a new provider. There’s no need to pore over reviews, read through an unfamiliar set of policy documents, or worry about whether basic policy details have been entered correctly.
But that's just me! - get a motorbike quote now and see if the method works for you:
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
What is the cheapest motorbike insurance company in the UK?
The cheapest motorbike insurance company for you will be the broker who is able to get the best rates from their panel of underwriters. This will depend on your individual circumstances, and the motorbike you ride.
The cheapest motorbike insurance quotes will be available to riders with the lowest risk profiles as determined by the underwriter.
The only way to find out which insurer works out cheapest for you is to compare quotes, which will be ranked from cheapest to most expensive depending on the answers you provide.
Is motorcycle insurance cheaper than car insurance?
Any motor insurance depends on individual circumstances, and the vehicle to be insured. To offer some insight into motorbike insurance costs, more than half (51%) of bikers using the comparison service available via Biker Insure were quoted less than £255*.
Many aspects of motorcycle ownership can be cheaper than a car – but it’s difficult to make generalised comparisons as they are very different vehicles, and there are so many different kinds of car and bike available.
Motorcycles can offer supercar level performance for a much lower cost, and that can also extend to insurance. When viewed from a price/performance perspective, motorbike insurance might be considered cheaper than car insurance, but it’s all relative.
What is the cheapest style of motorcycle to insure?
It’s not so much the “style” of the bike so much as the risk to the insurer that makes a bike more expensive to insure, and this is calculated on a bike-by-bike basis. As a rule of thumb, smaller (engine capacity), less powerful and older motorcycles are typically cheaper to insure.
To compare relative costs of one type of motorbike against another, it’s always worth running a quote for each model so see which style works out cheaper for you.
Which motorcycles are most expensive to insure?
The most expensive motorcycles to insure are the ones that will cost more to repair or replace in the event of a claim, and the bikes that are more likely to be stolen or involved in an accident in the first place.
If it’s fast, shiny, new, powerful, expensive and exotic then it’s a much higher risk than an old, slow, cheap, underpowered rusty old nail. Budget your bike insurance accordingly!
Why is my motorbike insurance so high?
If your motorbike is unusually high, then one or more of the variables used to calculate your premium is likely to be driving up the cost.
Find out more about what goes into motorbike insurance on our homepage, and consider some of the money saving tips listed above to help find more affordable bike insurance quotes.
Is Biker Insure the cheapest motorbike insurance website?
Because there are so many variables involved in calculating a bike insurance quote, it’s not possible to make any definitive claims.
Every rider’s circumstances and insurance needs are different. Get a quote from the system via Biker Insure and find out if it’s the cheapest bike insurance for you!
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.