As the UK’s first and longest-running comparison site, Confused.com are dedicated to saving you money, and they’ve got lots of experience in helping riders like you.
Whether you’re a new rider buying insurance for the first time or a seasoned pro looking to beat your renewal, Confused.com work hard to find you their best motorbike insurance quotes with no fuss or confusion.
Don’t worry if you’ve already had your renewal offer. It doesn’t take long to get a new quote and you could save up to £166*. They even guarantee to beat your renewal price(3).
*Based on Confused.com data in March 2021, 50% of customers paid £165.24 or less for their motorbike insurance.
3. Must be a like-for-like policy. T&Cs apply.
“I always use this site so I know I’m not overpaying for bike insurance. I must’ve saved hundreds over the years!”
Craig Scott – Confused.com customer (2020)
“Great site, enter my details they came back from a wide range of firms. A simple click to confirm, bike insured like that ready to go and collect it.”
Jeffrey White – Confused.com customer (2020)
The three main levels of cover available with motorbike insurance are:
They work the same way as they do with a car insurance policy, with the level of protection and cover increasing across each.
Bike insurance is available at three levels, just like car insurance: third-party only, third-party, fire and theft, and fully comprehensive.
Motorbike insurers will look at a number of factors to give you a motorbike insurance price:
You can be insured under one of these classes:
Some insurance companies will allow you to carry your car’s no-claims bonus over to your motorbike policy, but many won’t. If in doubt, check with your insurer.
You can only use your car no-claims on one vehicle so if you’ve used it on your car, you can’t use it on your motorbike.
You have to have motorbike insurance in place, unless your bike has a Statutory Off Road Notification (SORN).
You could take out a policy just for the summer, and cancel in the autumn, but with cancellation fees and the relatively low cost of motorbike insurance, you’re unlikely to save much money.
Might be better to keep it insured in case of a Christmas holiday ride-out, no?
If you’re keeping your bike on the road, you should insure your motorbike for the entire year. It’s illegal to have your motorbike uninsured, and cancelling policies could work out being more expensive than continuing with a yearly policy. An alternative way is to declare it off the road with a Statutory Off Road Notification (SORN).
Alternatively, you could use temporary motorbike insurance, but beyond a short time period this could become very expensive.
This is often referred to as pillion cover. Whether you’re covered to carry passengers will depend on the policy you buy. Most motorbike insurance policies don’t offer pillion cover as standard, so be sure to check the terms and conditions of your cover before carrying any passengers. You’ll also need to check that your licence allows you to carry passengers.
Motorbike licence grades work in a similar way to how driving licences are given categories that let you drive different vehicles, eg cars, buses and trucks.
Your motorbike licence will only entitle you to ride certain bikes. Restrictions will normally be based on your age, riding experience, and the power of the bike.
You can read more on the GOV.UK website.
If your trike is a standard, manufactured model, Confused.com can quickly offer insurance quotes and get you covered.
But many trikes are non-standard, custom builds. If this is the case, you can still receive and compare prices with Compare.com , but you’ll need to call the insurer you choose and confirm all your vehicle details.
This will help make sure that your policy and price are correct, and you’re getting the right level of cover. Mistakes when you take out the policy can be costly later on.
You can, with the correct insurance. Before you go abroad with your bike you should check to see if your policy covers you, how long you’re covered for and which countries you are insured for. You’ll also need to check if your level of cover is the same as when you’re abroad.
Having the following information to hand makes getting a motorbike insurance quote quicker and easier: