Cheapest motorbike insurance in the UK

Feel like you're paying too much for your motorbike insurance? We explain how you can get a decent deal at a respectable price.

Insurance is a necessary and legal part of owning a motorbike, but it can sometimes seem like you’re being hit with excessively large premiums.

Like with car insurance, the cost of your motorbike coverage will depend on a number of factors. It can vary according to your age, driving history or the type of motorbike you ride. Not to mention the level of cover you take out.

Whatever your situation though, there are ways to cut costs. Whether you’re a young rider or a seasoned pro, we walk you through how.

What’s the cheapest type of policy?

Getting motorbike insurance is just like getting cover for your car. There are a few different levels of protection available, with third-party insurance typically being the cheapest.

This is the minimum level of cover you need to legally take to the roads in the UK on your motorbike. It will pay out for any damage you cause to someone else or their property; however, any damage to you or your chopper won’t be covered.

It’s worth mentioning that third party isn’t always the cheapest option, so it’s a good idea to get quotes for third party, fire and theft, as well as for comprehensive policies too.

When does it make sense to buy the cheapest motorbike insurance?

Being unable to afford a more comprehensive policy is the main reason why you would go for the cheapest motorbike insurance deal possible.

However, you might opt for a third-party deal if your motorbike is old and not highly valuable. You could save up the money and put it towards buying a new motorbike, rather than pay over the odds in insurance premiums.

What affects the cost of motorbike insurance?

Insurance companies look at several factors when working out your premium costs. These can include:

How can I lower my motorbike insurance rates?

Thankfully there are some ways you can cut your insurance costs, such as:

  • Pay for the cover you need. Don’t splash out on optional extras such as pillion cover or courtesy motorbike protection if you don’t really need it.
  • Opt for a less risky motorbike. When you’re looking for your next motorbike, consider buying a smaller, less powerful or older motorbike. These typically have lower insurance rates.
  • Try a higher excess. Your excess is the amount of money you’ll have to put towards a claim before the insurer pays out. Voluntarily accepting a higher excess will lower your premiums.
  • Take a training course. Learning some new driving skills could help lower your costs, although the cost of the course may well be more than any savings you make in premiums.
  • Park in a safe location. Leave your motorbike in a garage or away from the road on a driveway and you could be rewarded with lower insurance costs.
  • Security features. Using security features such as an electronic arm and immobiliser can slash your insurance prices. Ask providers which devices they recommend.
  • Shop around to compare price. Each year you should shop around and compare quotes to see if you can get a cheaper deal elsewhere. Unfortunately, loyalty often doesn’t pay when it comes to insuring your car or motorbike.
  • Try paying annually. Insurers hit people who pay monthly with higher premiums, so if possible pay your insurance in a yearly lump-sum.
  • Motorbike use. If you use your motorbike for the occasional weekend trip and not for commuting, tell your insurer. How you use your motorbike has a big impact on insurance costs.

How to get cheap motorbike insurance for a young rider

Unfortunately insurance companies see young motorbike riders as higher risk than seasoned pros. While you might not see yourself as a rebel without a cause, statistically younger riders are involved in more accidents.

Which annoyingly means if you’re in your teens or twenties you’ll have higher rates. Having said all of this, there are some tactics you can use to get a more affordable deal as a young rider:

  • Think before you buy your bike. Brand-spanking new and powerful motorbikes will cost more to insure, so you might want to opt for a smaller or older bike to keep insurance costs down. However, older motorbikes are sometimes pricey too if replacement parts are rare and expensive.
  • Ride responsibly. Keeping a clean record by driving safely and staying within the speed limit will help you cut costs in time. Plus you’re less likely to make a claim if you ride responsibly, and insurers will hike prices for each one of these you make.
  • Take a driving course. Obtaining an enhanced riding qualification, with a DVSA certificate of competence, can help push your insurance premiums down.
  • Beware of paying in instalments. Try paying in an annual lump-sum as insurers hit monthly payers with higher prices.

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