What are the types of motorbike insurance available?

Motorbike insurance comes in three tiers: Third party, which covers you for damage done to another person and or their vehicle, Third party, fire, and theft, which includes everything in third party, plus cover when your bike is stolen, or damaged by fire. Fully comprehensive motorbike insurance includes all the above, as well as accidental damage, vandalism, and repairs. It may also cover if you lose accessories such as a camera, sat-nav or luggage. However, this can vary by insurer, so it is best to read policy documents before taking insurance out.

Can I ride my motorbike abroad?

You will be covered for riding your two-wheeler abroad if your motorcycle insurance policy specifically includes it.

Can I add other bikes to my motorbike insurance policy?

You can often add more than one bike to a multi-bike policy, but the number of bikes you have is likely to affect how much you pay for cover. This may, however, be cheaper than having several policies as you can only ever ride one at a time.

What types of motorbike can I insure?

Different insurers are likely to have different standards when it comes to the types of bike they will cover for you, however you'll normally be able to find a policy that covers: Quad bikes, Scooters, Mopeds, Classic bikes, Electric bikes, Modified bikes For some bikes, particularly classic and quad bikes, you might need to take out specialist insurance.

Will motorbike insurance cover me for additional passengers?

Many insurance providers will allow you to include passengers as part of your policy. The terms may vary between providers, and you may find your insurance is more expensive, if you are looking to include any passengers on your policy.

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Want to know more about bike insurance? Check out our guides

Top tips for getting cheaper bike insurance

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What affects the cost of motorcycle insurance?

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How is bike insurance calculated?

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Types of insurance cover

Comprehensive

Comprehensive insurance cover provides the most cover, protecting you, your bike, and others in the event of an accident.

Third party, fire, and theft

Third party, fire and theft (TPFT) offers the same level of cover as third-party, but also covers you if your bike is stolen or damaged by fire.

Third party only

The most basic bike insurance policy; it only covers injuries or damage to other people. That means you won’t be protected if you’re injured, or your bike is lost, stolen, damaged or destroyed by fire.

Your questions answered

Motorbike insurance comes in three tiers: Third party, which covers you for damage done to another person and or their vehicle, Third party, fire, and theft, which includes everything in third party, plus cover when your bike is stolen, or damaged by fire. Fully comprehensive motorbike insurance includes all the above, as well as accidental damage, vandalism, and repairs. It may also cover if you lose accessories such as a camera, sat-nav or luggage. However, this can vary by insurer, so it is best to read policy documents before taking insurance out.

Bike insurance