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Motorbike Insurance
Whether you're a daily commuter, a weekend cruiser, or an adventure seeker, motorbike insurance is essential to protect both you and your vehicle. Our motorbike insurance offers comprehensive coverage tailored to suit all types of riders and bikes—from scooters to superbikes.
With our policy, you’re covered for accidental damage, fire, theft, and third-party liabilities. We also offer optional add-ons like helmet and gear cover, breakdown assistance, and legal expenses protection, so you can customize your insurance to meet your exact needs.
Enjoy flexible payment options, competitive premiums, and hassle-free claims support. Ride with confidence knowing you’re backed by a policy that values your passion for the road and puts your safety first.
About UK Sure Motorbike Insurance
We specialize in the following areas:
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Highly modified bikes
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Non-ABI and Chinese bikes
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Trikes and Quads
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Niche Bikes
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Q Plates
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Chassis Numbers
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Multi-bikes
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A range of concessions, including mirroring NCB
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We’ll help you consider the factors that can affect what policy you need including:
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What you use your bike for - pleasure only or also for commuting or business use
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European use - you will need a policy that will give enough cover for your requirements
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Mileage - discounts are available for restricted annual mileage
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Breakdown - you may consider this instead of joining a motoring organization
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Legal Expenses - for the recovery of uninsured losses
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Courtesy motorbikes - you may need a bike while yours is being repaired
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No claims discount protection - keep your no claims discount even if you have a fault accident
How can I get cheaper motorcycle insurance?
Although you can buy your affordable bike insurance policy with UK Sure, its wise to take into consideration the following:
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Owners club and forum membership (up to 15% off)
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Limited mileage policies
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Adding extra security features to your bike
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Keeping your bike in a garage
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Experience riding on the roads
Meet the team
Why buy motorbike insurance with UK Sure?
Our insurance policies are simple, affordable, and can be purchased quickly.
At UK Sure, we offer budget-friendly motorbike insurance quotes for all types of riders, including learners, younger riders, experienced motorcyclists, tourers, commuters, and enthusiasts. No matter what type of bike you own, we can tailor a policy to meet your specific needs. We cover a variety of bikes, including:
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Classic bikes
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Superbikes
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Custom-built or modified motorbikes
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Chinese imports
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Adventure motorbikes
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Mopeds and scooters
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125cc bikes
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Cruisers
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Dual-sport motorbikes
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Electric motorbikes and scooters
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Supermotos and dirt bikes
What is Motorbike Insurance?
Motorbike insurance provides financial protection if your bike is involved in an accident, suffers damage, or is stolen. It’s also a legal requirement. Riding a motorcycle in the UK without insurance is a criminal offense.
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The only time you don’t need motorbike insurance is if you’ve declared that your bike is off the road to the DVLA.​
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What level of cover do I need?
You need to decide what level of cover you need. The more coverage you have, the more protection you have, but providers charge more money for more coverage.
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The best motorbike insurance for you is the policy that gives you the coverage you need at the cheapest price.
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You can choose from three types of motorcycle or moped insurance coverage:
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Third-party only - Covers injury to others and damage to their property.
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Third-party, fire, and theft - Cover injury to others and damage to their property. It also covers theft of your bike and fire damage to your bike.
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Fully comprehensive - Covers all of the above, plus damage to your bike through accident or vandalism.​
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Extras available
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Trips abroad - Cover for riding your bike abroad, but the length of time you’re covered can vary
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Helmets and clothing - Most motorbike policies include the option to add cover for accessories, but you might have to pay extra.
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UK breakdown - This gives you roadside assistance if your bike breaks down while on the road.
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Pillion passengers - Some insurers let you take a passenger​
Specialist Motorbike Insurance
Consider whether you need a specialist motorbike insurance policy. This kind of cover can cost more, depending on what it offers.
Some of the specialist types of bike insurance include:
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Scooter or moped insurance - If you’re under 25 and it’s your first bike, cheap moped insurance can be hard to find
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Sports bike insurance - This can be expensive because it’s for high-performance bikes
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Supermoto insurance - A lightweight model with a smaller engine is cheaper to insure
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Classic motorcycle insurance - Classic bikes can be worth a lot, but they’re usually well looked after and not used much, so insuring them isn’t too expensive
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Multi-bike insurance - If you have several bikes, this can be a cost-effective way to insure them
Meet the team
Frequently Asked Questions
Question: What types of motorbike insurance are available?
In the UK, there are three main types of motorbike insurance:
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Third Party Only (TPO): Covers damage to others but not your own bike.
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Third Party, Fire & Theft (TPFT): Includes TPO plus cover if your bike is stolen or damaged by fire.
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Comprehensive: Offers the highest level of protection, including damage to your own bike.
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Question: Can I ride other motorcycles with my insurance?
Some comprehensive policies allow you to ride other bikes on a third-party basis, but this varies. Always check your policy details.
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Question: Can I ride my motorbike in Europe?
Absolutely! All of our standard motorbike insurance policies provide coverage for up to 90 days in European Commission countries. If you require coverage for a longer duration or plan to travel outside the EU, please reach out to us, and we may be able to assist you.
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Question: Does motorbike insurance cover modifications?
Most insurers require you to declare modifications. Some may cover them, especially if they don't affect performance, but undeclared mods can invalidate your policy. ​
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Question: Is European travel covered in my policy?
Many comprehensive policies include limited European cover, typically for up to 30 days. Confirm with your insurer before traveling.​
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Question: Can I add other riders to my policy?
Yes, most insurers allow you to add named riders, but this may affect your premium.
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Question: What factors affect my motorbike insurance premium?
Premiums are influenced by factors like your age, riding experience, bike type, location, security measures, and claims history.
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Question: How can I reduce my motorbike insurance costs?
Consider increasing your voluntary excess, securing your bike with approved locks or alarms, limiting mileage, and completing advanced riding courses.​
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Do you have a question about motorbike insurance?
Submit your question here
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UK Sure Customer Services
How our customers rate us
They saved me.. thanks
Kobina Ampah
2025-06-12
Beatriz Rodrigues
2025-05-27
They are good professionals! Always ready to help! I was the best choice I made! 🙂
RACHEL SHANNON
2025-05-22
Absolutely 10/10 The service received from start to finish has been fantastic despite the complexity of the insurance required. Customer service received was superb in every way (specially Marco who has been super super helpful in securing the policy) at a great price too.