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*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could achieve is dependent on your individual circumstances

Do I need motorbike insurance?

If you own a motorbike you must have a minimum of third party motor insurance by law. This gives you protection if you are involved in an accident that damages another vehicle or injures someone else. Other types of insurance can also cover the cost of replacement or repairs if your motorbike is stolen, damaged by fire or vandalised.

Without insurance, you could face a fixed penalty of £300 and six penalty points, an unlimited fine or a driving disqualification. The only exception is if you have a statutory off road notification (SORN). This is a declaration that the motorbike isn’t being used and isn’t ridden or parked on a public road.

What does motorbike insurance cover?

There are three main types of motorbike insurance.

	Third Party	Third Party, Fire & Theft	Compre- hensive
Injury to others or damage to their property
Theft of your car and fire damage
Damage to your car and personal injury costs

You can also add optional cover to your policy, such as protective clothing and breakdown cover. You may need a certain level of cover before you can do this, though, and it's likely to increase your premium.