Motorcycle insurance

Motorcycle insurance quotes available online in just a few minutes

Our top tip in finding cheap motorcycle insurance is to shop around and take advantage of discounts. Cheapest motorcycle insurance quotes are found online but go direct to the providers website, a price comparison website may not be as cheap. We have listed some of the best motorcycle insurers from the UK on the right with links to their websites for a free quote in minutes.

Insurance approved security also keeps motorcycle insurance costs down, a factory fitted or aftermarket insurance approved Thatcham category 2 immobiliser or Thatcham category 1 alarm and immobiliser should help, parking your motorbike in garage overnight also reduces premiums. If you do not have any No claims bonus check for special introductory offers.

If you insure your vehicle for anyone to ride the cost will be understandably higher unless your named riders are young and inexperienced, in which case it may be better to insure for all riders. Having extra excess on your policy can save you money off your insurance, if you opt to pay for the first £100 or £150 instead of the first £50 you can reduce the cost of your insurance, this indicates you are unlikely to make smaller claims and will only needclaim in the event of a major claim.

Motorcycle insurance is a legal requirement and provides you with cover against potentially very high costs. If you cause an accident that results in loss of life or permanent injury to other people, the cost of the claim can be into millions of pounds. You cannot drive a motorcycle without a valid motorcycle insurance policy and there are fines and penalties, including jail if you are found to be driving without having motorcycle insurance cover.

The 3 categories of motorcycle insurance are;

• Third Party Only, covers the policyholder against damage to a third party's property or to the third party themselves, a Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of that other car and any passengers in your car other than you. A Third Party Only policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses and if your vehicle is stolen or sets on fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.
• Third Party Fire & Theft, exactly the same as the Third Party Only policy, but will also pay out in the event that your vehicle is stolen or sets on fire.
• Fully Comprehensive, will pay-out for third party damages and injuries, will pay-out in the event of your vehicle being stolen or set on fire, and will also pay for any damage to your own vehicle (regardless of whose fault the accident was).

If the trade value is not high then it may be worth going for Third Party Fire and Theft cover or just third party only as opposed to Fully Comprehensive.