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🛡️ Motorcycle Insurance Guide
Insurance types, costs, and money-saving tips for UK riders
Types of Insurance
| Type | Covers | Doesn't Cover |
|---|---|---|
| Third Party Only | Damage you cause to others | Your own bike |
| Third Party, Fire & Theft | Others + theft/fire of your bike | Your bike in accident |
| Fully Comprehensive | Everything (even if it's your fault) | — |
⚠️ Legal requirement: Insurance is mandatory on UK public roads. Driving uninsured: £300 fixed penalty + 6 points. Court can impose an unlimited fine and disqualification.
Costs for New Riders
💷 First year estimate: £800–£2,000+ (higher in London)
Drops significantly each year with no claims
Drops significantly each year with no claims
Factors that affect cost:
• Age and experience
• Postcode (London = more expensive)
• Bike type and engine size
• Where you keep it (garage vs street)
• Annual mileage
• Security devices (lock, tracker)
Money-Saving Tips
• Compare quotes from multiple insurers (GoCompare, CompareTheMarket)
• Pay annually (avoid instalment interest)
• Don't auto-renew — get fresh quotes at renewal time
• Improve security: approved lock/alarm/immobiliser/tracker, garage if possible
• Take advanced training (BikeSafe, RoSPA Enhanced Rider Scheme)
• Start on a 125cc — insurance is much cheaper
• Avoid modifications — they increase premiums
• Keep mileage low
• Build your no-claims bonus — it reduces your premium every year
• Pay annually (avoid instalment interest)
• Don't auto-renew — get fresh quotes at renewal time
• Improve security: approved lock/alarm/immobiliser/tracker, garage if possible
• Take advanced training (BikeSafe, RoSPA Enhanced Rider Scheme)
• Start on a 125cc — insurance is much cheaper
• Avoid modifications — they increase premiums
• Keep mileage low
• Build your no-claims bonus — it reduces your premium every year
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