Motorbike Insurance
You could get specialist 5-star rated cover for less than £159*
FREE access to exclusive offers, discounts and competitions on BikeSocial when you buy your insurance policy direct
Defaqto 5-star rated 2010 to 2025
24/7 claims line. The claims team will be there whenever you need them
We search our panel of insurers to find you our best price for the cover you need
50% of customers who purchased a new policy between 1 July and 30 September 2025, and paid annually, paid £159 or less. Includes Multi-Bike Policies. Price includes IPT. Cover and premiums depend on individual circumstances.
Motorcycle insurance at Bennetts
At Bennetts, we make it simple to compare motorbike insurance quotes from a panel of top UK insurers. Whether you ride a scooter, cruiser, or sports bike, we’ll help you find the best motorbike insurance deal tailored to your needs. Our goal is to offer you our cheapest motorbike insurance quotation available from our panel, without compromising on your cover or service, with the peace of mind that our insurance product has been independently rated five stars from Defaqto. Get reliable, affordable motorbike insurance with Bennetts today.
Why choose Bennetts?
As a specialist motorcycle insurance broker, we compare motorcycle insurance prices from our panel of some of the UK’s leading motorcycle insurers to get you our cheapest price.
We work with a trusted panel of insurers, carefully selected for their breadth of experience, deep understanding of the motorbike market, diverse product offerings, high standards of customer service, and competitive pricing. Bennetts were the first bike insurance broker to offer a quote and buy online service, so we have the experience required to make the process as simple as possible. When you compare bike insurance, make sure you receive all of these benefits…
Enjoy a range of essential savings for bikers with a BikeSocial Membership*
The most common modifications are covered as standard
Specialist insurance cover tailored to your needs and budget
Five-star product (as rated by Defaqto)
UK-based call centre
90-day EU cover included as standard
* A BikeSocial membership is only free for customers who buy motorcycle insurance directly from Bennetts.
Rated ‘Excellent’ on TrustPilot by over 18,500 riders
"Outstanding customer service, always friendly, and willing to find the best possible insurance to fit your requirements." - Mr K, 7th January 2026.
★ ★ ★ ★ ★
What kind of motorcycle insurance do I need?
Choosing the right type of motorcycle insurance in the UK depends on how you ride, what you ride, and the level of protection you want. Whether you're commuting daily, riding for leisure, or storing your bike for part of the year, understanding the different types of motorbike insurance - Third party, Third party fire and theft, and Fully comprehensive - can help you make an informed decision. In this short guide, we’ll break down each option so you can find the cover that best suits your needs and budget.
Types of motorbike insurance cover
Fully comprehensive
The most extensive type of cover; fully comprehensive motorcycle insurance provides peace of mind for almost every eventuality. The major difference to third party cover is that you can claim for damages or losses to your own vehicle as well as others, regardless of whether it’s your fault or not.
Third party, fire and theft
The next level of cover is third party fire and theft, which takes the basic cover of third party only and includes an extra layer of cover should your motorbike be stolen; or if it is damaged while being attempted to be stolen or catches fire.
Third party only
The most basic (and usually cheapest) level of motorbike insurance is third party only, which, as you would expect, provides the most limited but essential cover. If you are involved in an accident and another person is injured or their vehicle or property is damaged, then you will be liable for the costs incurred to compensate for their losses.
Extra Cover
Our legal expenses cover can help protect you in the event of an accident that isn't your fault. The cover provides up to £100,000 towards redeeming any expenses you incur throughout the claim.
We also offer personal accident cover, which could provide a one-off cash payment (up to £15,000) in the event of a more serious accident, along with our motorcycle helmet and leathers cover which protects your gear against damage caused (up to £1,500). You can also choose RAC breakdown cover to provide roadside rescue.
The additional Cover Options are provided by a number of insurers who all meet our high standards of quality and service. Terms and conditions apply to all additional cover options.
What’s included in your cover?
Every rider’s needs are different, which is why our policies can include a wide range of features and optional extras:
90 days of EU cover included
Optional breakdown, legal, riding gear and personal accident cover
Replacement Lock & Keys: Covered for up to £400 if your keys are lost, stolen, and not recovered. T&Cs apply
New bike replacement – In the event of damage or theft, have your motorcycle replaced with a new one of the same make and specification (Within 6 months of registration in the UK as new, subject to availability. Further T&Cs apply)
What is motorbike insurance?
Motorbike insurance is a legal requirement for riding on UK roads. It offers financial protection if you’re involved in an accident, cause damage to another vehicle, or injure someone. Depending on your policy, it can also cover you if your bike is stolen, vandalised or damaged.
At Bennetts, we strive to offer you the most suitable motorcycle insurance quote by working with some of the most trusted motorcycle insurers, which means competitively-priced policies and the high levels of customer service that you should expect.
Your bike insurance is tailored to your needs and your bike type, from a 50cc scooter or moped to adventure bikes, sports bikes, street machines and cruisers, with additional cover options available for breakdown, kit, personal and legal protection.
Our multibike insurance policies can provide cover from a collection of café racers to hyper sports; visit our bike types and bike manufacturers pages for more details of all the motorcycles we can support.
What factors affect the cost of motorbike insurance in the UK?
The cost of motorbike insurance in the UK can vary widely depending on several important factors. When insurers calculate your motorbike insurance quote, they assess your risk profile based on:
Your riding history and any previous claims
The make, model, and engine size of your motorbike
Your age, location, and where the bike is kept overnight
Other personal details that may influence your insurance risk
Understanding these factors can help you compare motorbike insurance quotes more effectively. Further details on how motorcycle insurance costs insurance costs are calculated.
How can I get cheaper motorbike insurance?
To help you get the most value from your policy, here are some simple ways to reduce your premium.
Keep your bike out of sight: If you have a garage, use it. Storing your bike in a locked and secure location could reduce your premium. Brick or concrete garages are ideal, but metal sheds, shipping containers, or solid timber structures on a concrete base can also work. Check with our team if unsure and get some advice from BikeSocial on all things storage and security.
Improve your riding: Complete an approved advanced riding course to boost skills and potentially lower your premium.
Accurate mileage: Riders often estimate higher mileage than they actually do. Providing a realistic annual mileage could reduce your premium.
Add security: Motorcycle theft accounts for 30% of claims (Source: 4th Dimension). Fitting an approved alarm, immobiliser, tracker, or lock can deter thieves and may lower your premiums. Check out BikeSocial’s in-depth guide to motorcycle crime.
Choose voluntary excess: Adding a voluntary excess on top of your compulsory excess may reduce your premium. Please be aware this is the amount you’ll pay first if you make a claim.
Length of ownership: The longer you have owned a bike, the more likely you are to generate a lower premium, as this proves you have experience riding your bike. However, you must be honest and accurate to avoid any issues should a claim arise.
Multi-bike cover: Own up to six bikes? You may be able to insure them all under one multi-bike policy with Bennetts. This may mean that you save money overall, rather than taking out individual policies for each bike.
Compare cheap motorbike insurance online
Bennetts is a specialist broker that compares prices from a carefully selected panel of leading motorcycle insurers. This means you can get a competitive motorbike insurance quote quickly and easily, with cover built around how and what you ride.
We cover a wide range of bike types including:
Custom, classic and cruiser models
Need to insure more than one bike? Our multibike insurance options could save you time and money.
Getting a quote
To help us give you the most accurate price, it really helps if you can have a few details ready:
Full details of the make and model of your motorcycle(s)
The year of manufacture (not just the registration letter)
The approximate value of the motorcycle and the date you bought it
Any previous claims, convictions or accidents
Details of any additional riders you’d like to include
Information on any security devices on the bike(s)
Motorbike Insurance FAQ
Do I need motorcycle insurance?
Yes. To ride your motorcycle on UK roads, you need to be insured. If you're involved in an accident, damage another vehicle or injure someone, having insurance will protect you from liability, and if your bike is stolen or vandalised, insurance can provide compensation. If you don't have motorcycle insurance, you risk a range of penalties such as a £300 fine, six penalty points, or being disqualified from riding your bike altogether.
How much does motorbike insurance cost in the UK?
The cost of motorbike insurance can vary due to several factors. When we calculate the cost of your quote, we're assessing the risk of insuring you as a rider, looking at how likely you are to claim and how expensive it would be to pay out if you did make a claim. We consider your riding history and the size and capacity of your bike, as well as your age and where you live, among other factors.
Am I covered to ride abroad?
Your motorcycle insurance policy will automatically allow you to ride within Europe and any other country which has agreed to follow the EU Motor Insurance Directive (number 2009/103/EC), for up to 90 days in any period of insurance. If you want to ride abroad for more than 90 days in a year, then give us a call on 0344 412 2171 so we can look to arrange this for you.
Can I carry passengers with my motorcycle insurance?
Yes (unless you are riding on a provisional licence). Passengers would be covered while riding on and getting onto and off your bike and riding in or getting into and out of your sidecar.
Can I ride another bike on my insurance?
This benefit will be stated on your bike insurance schedule and insurance certificate. Subject to age conditions, occupation and type of bike, your insurance will cover you to ride other bikes. It is best to check this when you take out the policy (the bike must be over a minimum of 351 CC for example).
Can more than one person be on my insurance policy?
Yes. You can add another person to your policy as a named rider. As a named rider, they'll enjoy the same level of cover as you on your bike; however, be advised that if they make a claim, your No Claims Discount will be affected.
Do you quote for bikes with modifications?
Yes. We have a list of common modifications that Bennetts accept as standard. These include: Disability Adapted, Air Filter Changes, Bar Ends, Braided Hoses, Decals / Stickers (Unless Race Replica), Grippers, Heated Grips, Huggers, Lights / Indicators / Mirrors, Scott Oilers, Screen Changes, Seat Replacement / Changes, Seat Cowl / Single Seat Units, Sissy Bars (Long Backrest), Tail Tidy, Tank Pads, and Road Legal Aftermarket Exhausts. We can still quote for certain modifications that are not covered as standard, and it is important that you declare all modifications, so they are covered under the policy.
How does Bennetts work out their quote for me?
We’ll search for the lowest quote from our panel of some of the top insurers. Our panel are all leading insurers and are quality checked by Bennetts.
Do you have any further insurance questions?
Webchat
Chat with us on Webchat
Discover more about motorcycling
Content created for motorcyclists by motorcyclists.
