KTM Bike Insurance

KTM Motorbike Insurance

Despite entering 2025 with more than a hint of financial instability at the Austrian brand, owners of new and old KTM's shouldn't face any major hurdles when it comes to getting insurance for their machines. KTMs are common enough in the UK that the majority of brokers are able to provide quotes for most models.

What is KTM insurance?

KTM bike insurance is the same as any other motorcycle insurance. If you are riding your KTM on public roads in the UK, then insurance is a legal requirement.

The minimum level of insurance cover for your KTM is Third Party Only bike insurance. TPO insurance covers damage to other peoples vehicles, their property, or injury caused.

Next up is Third Party Fire & Theft bike insurance. TPFT insurance builds on TPO insurance, but also includes cover if your KTM is stolen or damaged by fire.

The highest level of insurance cover for your KTM is Fully Comprehensive bike insurance, which includes all the benefits of TPFT, but adds cover for accidental damage to your KTM and personal injury cover if the accident is your fault.

Comprehensive KTM insurance isn't necessarily always the most expensive, so it could make sense to check how different levels of cover can affect your insurance.

It's really quick and simple to change your cover options using the system via Biker Insure. On the quote results page, simply select a different level of KTM bike insurance cover from the dropdown, and then click on "update quotes."

Most brokers will typically have policy add-ons available including Legal Assistance, Helmet & Leathers cover, Personal Accident and Breakdown Cover. You can filter the results instantly by checking or unchecking the relevant boxes.

Remember that you should carefully check over your policy documents to ensure that the level of KTM insurance cover is adequate for your personal needs and circumstances.

How much is it to insure my KTM?

Most of the KTM's that you see on UK roads are large capacity, performance oriented machines. As premium motorbikes, KTM's are also relatively expensive to buy.

This has an impact on insurance prices for KTM's, and underwriters need to take these factors into account when providing you with a quote.

As a rule of thumb, the bigger (more powerful), faster, newer and more expensive the model of KTM, the pricier the premium.

A 2025 KTM 1390 Super Duke R EVO is likely to cost significantly more to insure than a 10 year old 690 Duke, for example.

If you want to find out how much insurance costs for your particular model of KTM and your unique circumstances, the easiest way to find out is by getting a fully personalised quote comparison via Biker Insure.

Aside from the KTM model, your personal information and circumstances will also play a major role in calculating the premium. Your age, occupation, where you live, riding & claims history and more are used to determine the price.

We've run a few sample KTM insurance quotes through the system via Biker Insure. The results are listed below:

A bit more about KTM bikes...

KTM has actually been in the bike business since 1934, but it’s current iteration (KTM AG) was founded in 1992. The brand has historically been associated with off road, enduro, and motocross bikes - but this slowly began to change in 1994, when the Austrian brand launched their first street bike. The original KTM Duke 690 was a single cylinder Supermoto, a machine for hoodlums that sold in small numbers but also bestowed KTM with a small cult following in the UK.

It took a full 10 years for KTM to make the transition to a more road-oriented producer, with the original 690 Duke leading to the release of the 990 Duke in 2004. This was KTM’s first ever large capacity road bike, and indicated the direction of travel for their range topping bikes - large capacity, naughty, V-twin engines.

KTM had their first (and only) bash at the superbike sector in 2008 with the uniquely angular RC8 (in our opinion one of the best looking motorbikes ever to grace UK roads), which was sadly discontinued in 2015 for the orange Austrians to focus focus solely on various iterations of large capacity Dukes/Superdukes, Adventures/Super Adventures, plus various smaller bikes (but with a similar theme and styling) built by Chinese and Indian partners.

Big news from KTM came in 2020 with the launch of “the scalpel” – a ridiculously sharp handling 890cc parallel twin with more than enough real-world poke (119 bhp).

The mid to higher capacity KTM offering has now become two bikes - the original scalpel being sleeved down to a 94 bhp 790, but now with a bigger brother - the 121bhp 990 Duke (or "Sniper") - which for many may prove to be a better option than the insane 1390 Super Duke R (aka "the Beast").

KTM does of course produce a large range of MX and Enduro machines, however you’re about as likely to see any of these on the road as you are to spot one of their X-bow supercars!

If you own a big (or even little) KTM bike and are looking for a range of motorbike insurance cover options, get a quote via Biker Insure today to compare KTM insurance quotes from over 25 UK based motorbike insurance brokers:

KTM bike range 2025

The current KTM lineup:*

*List excludes motocross, enduro, electric and track KTM models

Whether your KTM policy is up for its yearly renewal, or you've just bought a shiny new 2025 model, compare KTM insurance quotes now via Biker Insure: