10 Cheapest Motorcycle (Motorbike) Insurance UK

Motorcycle insurance is mandatory for anyone who wants to ride a motorcycle on any road in the UK. Motorcycle insurance protects a driver from liability should they get their motorbike involved in an accident, especially if there is damage to another vehicle or person. Motorbike insurance will also cover any financial compensation if a person's bike is stolen, vandalised, or destroyed by fire. Motorcycles are very vulnerable to accidents. 20% of all road deaths in the UK in 2020 involved motorbikes; hence motorbike insurance is important in the UK. The only time a driver is excused from having motorbike insurance is if the motorcycle has been declared off the road via a Statutory Off Road Notification (SORN) from the DVLA. Individuals with car insurance can add a motorcycle to their existing policy. It is much cheaper to insure a motorbike than a car, and doing so is always worth it. The importance of getting motorbike insurance is that you will be protected from liability in case of an accident or theft, depending on your insurance coverage. The insurance industry is a competitive one. The only way to know if the motorcycle insurance a person is getting is the best is to compare quotes. There are many companies out there offering motorcycle insurance. Among all companies, the best motorbike insurance providers in the UK are listed below:

1. Bennetts: Ranking first, Bennetts has been around for more than 90 years. The company has the experience and a wide variety of policies to cover different types of bikes. They also have links to a large, dependable mechanic shop that will take good care of your motorcycle and return it to you, almost brand new.
2. Swinton: Ranked second in the list of top-rated motorcycle insurance providers, Swinton has been active for over sixty years and boasts many advantages. Swinton is known for its great service, and was the winner of the UK Customer Satisfaction Awards in 2021.
3. Devitt: Ranking third, Devitt has been a motorcycle industry insurance specialist since 1936. They are brokers that use a panel of leading UK underwriters and insurers to aid riders in their search for the right insurance for their two-wheeler.

To choose the cheapest motorcycle insurance, you must first consider your needs. Once you have decided on the level of coverage you need, making a choice is easy. Though cheap insurance is desirable, there are advantages and disadvantages to cheap insurance. Here we consider 10 companies offering cheap insurance premiums for motorcycles. They do this via discounts, loyalty deals, or by stripping the coverage down to the basics. It is possible to get temporary insurance for your motorcycle. The 10 cheapest motorcycle insurance companies in the UK are:

1. Bennetts

Bennetts is the best insurance company for motorbikes. It is a well-known specialist insurance broker for motorcycles. The company has its headquarters in Peterborough and is owned by Saga plc. Bennetts has been active for more than nine decades. Its clientele includes more than half of the biking population in the UK. Of course, maintaining the number one spot is not an easy feat. Bennetts has remained on top of the game by expanding to integrate a wide range of policies. These policies cover a variety of bike types and many manufacturers. For example, Bennetts provides special forms of insurance, including multi-bike policies, young rider insurance, RAC breakdown cover, helmet and leather cover, and many more. Despite all it offers, Bennetts remains one of the cheapest motorcycle insurance companies. Customers who took out a new policy between the 1st of April and the 30th of June 2022 got five-star rated covers for £129 and less. Bennetts accepts monthly instalments. However, this is subject to eligibility. Remember that many factors affect the price of getting covered, including the driver's age and history. As for the coverage Bennett offers, drivers, get to pick either comprehensive insurance, third-party fire, and theft, or third-party alone. Beyond being a cheap option, getting motorbike insurance through Bennetts has some merits and demerits. The pros of insuring your motorcycle with Bennett Insurance are: Knowledgeable experts Simple process Competitive quotes. The con of insuring your motorcycle with Bennett Insurance is: Excessive phone-waiting periods

2. Swinton 

Swinton professes to know exactly how important motorcycles are to riders. They also have a dedicated Motorcycle Insurance team ready to help anybody looking for that perfect deal. Swinton is known for comparing quotes from a panel made up of UK motorcycle insurers that were specially curated. Swinton also offers a custom multi-bike insurance policy covering up to four bikes. Swinton insures all kinds of bikes, so there is a good chance anyone will find coverage for their motorcycles. The annual and monthly cost of coverage depends on several factors, including the type of desired coverage, the rider's age, and experience with the motorbikes. The lowest amount for comprehensive cover is about £61, excluding optional extras. To lower the cost of motorbike insurance at Swinton, get a riding qualification. Taking a course attached to it will make anyone a better rider. It may also lower the premium. Qualifications available include: IAM RoadSmart Advanced Rider Course BikeSafe Certificate Ro SPA Advanced Motorcycle Training. The pros of insuring your motorcycle with Swinton Insurance are: Competitive quotes Robust product features Good customer relations. There are not many cons to dealing with Swinton. However, some reviews on Trustpilot indicate that the getting-started process is tedious.

3. Devitt

Devitt Insurance is a popular, top-rated motorcycle insurance broker in the UK. They have been dealing in motorcycle insurance since 1936. Devitt uses a panel of top UK underwriters and insurers to help clients. Devitt has a good history of client satisfaction and is highly rated by those who choose them. Devitt offers competitive rates. They are usually not the cheapest option. But they compensate by making sure clients get their money’s worth. Regarding ease of interaction, Devitt is one of the best. They have a 24-hour claims line. Customer service lines remain available until 7 pm on weekdays. Meanwhile, there are open hours on the weekends too. Devitt is a beloved broker. There is hardly any negative review about Devitt. Most that appear are often about admin and cancellation fees. Devitt is not always the cheapest option, and they also have extra coverages riders have to pay for. Still, coverage details have been known to change depending on the underwriter. Below is a list of the coverage they offer as well as the most likely price for them: Legal expenses and recovery of loss, which costs £34.99 Helmet & Leathers that costs £39.99 Personal Accident, which costs £35.99 RAC Breakdown that costs £39.99 Enhanced cover package: Legal & RAC roadside assistance valued at £49.99 Evolution cover package: Legal, Helmet & leathers, Accident & RAC Roadside assistance which costs £79.99 The pros of insuring your motorcycle with Devitt Insurance are: Competitive rates Customer service is available all through the week and weekends. While Devitt’s customer service is available all week and weekend, there have been complaints about their phone services. Some have complained of having to wait many minutes to get through to customer care. Others have claimed that they never answer their calls or respond to emails.

4. Carole Nash

Carole Nash is another known motorcycle insurance provider across the UK. They provide top-notch service and have won awards for their expertise. Carole Nash is ranked among the best UK motorcycle insurance brands. Carole Nash was founded in 1985. With such experience, they have gained a great understanding of motorcycles. This allows them to insure motorbikes with modifications, custom bikes, or classic ones. They offer comprehensive motorbike policies, including breakdown cover, legal expenses, and DNA+ theft protection marking. It is not as cheap as some other viable options, but Carole Nash prides itself on offering more perks than its counterparts. Thus while they may be more expensive than a few other insurance providers, their great features and solid reputation make the fees worth it. In recent years, they have continuously made adjustments that profit their clients. For example, they have greatly lowered their cancellation fees. They also lowered the costs of their add-ons, making them even cheaper and more attractive. Many reviews claim the motorcycle insurance prices are well balanced with the returns at Carole Nash. The cost is dependent on the kind of policy and several other factors. The pros of insuring your motorcycle with Carole Nash are: Ability to deal with a range of different bikes £100,000 free Legal cover Competitive rates Breakdown coverage. The cons of insuring your motorcycle with Carole Nash are: Not having an app No short-term cover.

5. Hastings Direct

Hastings Direct is another popular insurance provider that specialises in motorcycle policies in the UK. They work hand in hand with underwriters, their sister company, Advance Insurance, AXA, Covea and Lloyds, to give their clients great features and insurance rates. Hastings Direct is not as cheap as some other providers. However, they provide decent customer service and a wide range of coverage options. Hastings Direct has its head offices in East Sussex, and the team is always ready to help its customers get the best possible rates. They also offer a catalogue of optional extras, including personal accident cover, breakdown, helmet & leathers and legal protection. The pros of insuring your motorcycle with Hastings Direct are: A hardworking team Competitive rates. The cons of insuring your motorcycle with Hastings Direct are: Bad reviews. Many have complained about their customer service.

6. MCE Insurance

MCE Insurance is not classified as a broker. Instead, they are a specialist insurance company. They underwrite their policies for motorcycles and other vehicles. MCE Insurance is also very popular for its low prices, multi-bike policies and the ability to even insure convicted drivers. They are most popular among young bikers because of their low-rate insurance quotes. Aside from the low rate, MCE has an easy renewal process and great customer service. The service lines are kept open until 9 pm on weekdays and remain active even on weekends. MCE offers clients competitive rates; however, the standard MCE excess for damages and thefts may be higher than normal. Naturally, the insurance costs depend on aspects of driver application like age and driving record. Despite this, MCE’s bike insurance quotes were found to be lesser than that of its rivals. The pros of insuring your motorcycle with MCE Insurance include: Decent customer service. Low rates Multibike policies The cons of insuring your motorcycle with MCE Insurance include: High cancellation fees Long phone waiting times.

7. LV=

LV= is a part of the Allianz Group. They have assisted more than seven million customers in making the right insurance decision where their motorcycles are concerned. The company is known for its high renewal rates, meaning most customers stick with them. They are not as cheap as some other insurance providers and are not specialists. The pros of insuring your motorcycle with LV= are: 180 days of European cover Helmet and Leather cover. Great motorcycle covers. A con of getting insured by LV= is that their highway broker product is not as generous on standard features.

8. BikeSure

Bikesure is classified among expert-rated insurance companies. Bikesure has been involved in Motorbike insurance in the UK since 1990. Bikesure offers competitive quotes but remains steadfast in delivering quality. To get their clients the best deal, they compare motorbike insurance from many providers. Their customers have access to coverage for more than 40 different motorcycle insurance schemes. Bikesure even challenges clients to come around with their unusual bikes with the guarantee that they have coverage for them. They even offer insurance schemes to people who don’t necessarily fit the ideal criteria for a rider. According to them, quotes for such people will not be inflated because they are not “standard” risks. Bikesure claims to provide insurance schemes tailored to client needs. They claim many of their schemes were uniquely created and differ from person to person. Bikesure is one of the cheapest insurance providers, offering many discounts. For example, discounts on club membership, security precautions, performance bike experience and limited mileage. The pros of insuring your motorcycle with Bikesure Insurance are: Access to a functional online page where anyone can get an instant quote. Users already acquainted with their services have claimed they had a wonderful experience, especially when trying to get quotes for renewal. Friendly and helpful staff Great online portal.

9. Just Motorcycle Insurance

Just Motorcycle used to be one of the respected motorcycle insurance providers. However, as of January 2023, Just Motorcycle insurance no longer provides insurance to new customers.

10. Lexham Bike Insurance

Lexham Bike Insurance is a specialist broker. Lexham Bike Insurance provides some cheap learner bike insurance policies for young people. According to online reviews, their UK-based customer service staff are quite amicable and knowledgeable. They also offer competitive quotes. Their young-rider motorcycle and learner-driver insurance quotes are known to be cost-effective. They are usually less than those provided by their competitors. They provide extremely low rates. This is achieved by stripping the coverage they provide down to the basics. Typically clients only need to get extras if they need them. When it comes to discounts, Lexham offers standard ones. The costs and discounts offered depend on factors like driving record, bike, and no-claims history. The pros of insuring your motorcycle withLexham Bike Insurance include: Low rates Knowledgeable staff Great discounts.

What is Motorcycle (Motorbike) Insurance?

Motorcycle insurance is just like car insurance, but for bikes. Motorbike insurance provides financial aid that is often big enough to cover most expenses in case of a claim. Motorcycle insurance is stand-alone. This means interested people need to buy it separately from their car insurance if any.

What is the importance of getting Motorbike Insurance?

The importance of getting motorbike insurance is that you will be protected from liability in case of an accident or theft, depending on your insurance coverage. Your insurance coverage could help you pay off all or most of the costs if you are at fault in an accident that leads to the damage of your bike or someone else’s property. Motorbike insurance is also useful in case your bike gets stolen or in case it gets damaged by other means. Upon a successful claim, motorbike insurance ensures that you get financial aid.

How to choose the Cheapest Motorcycle Insurance?

To choose the cheapest motorcycle insurance, you must first consider your needs. Once you have decided on the level of coverage you need, it is a good idea to use websites that enable you to compare the offerings of many insurance providers like Comparethemarket. Insurance providers will offer you a premium and discounts based on your peculiar situation. It is a good idea to get quotes from a couple of insurance providers after you have narrowed down your options is a good idea.

What are the things to consider before deciding what Motorcycle Insurance to get?

The things to consider before deciding what motorcycle insurance to get are your motorcycle type, motorcycle skills, and usage. Picking the perfect motorcycle insurance is not an easy feat. Many factors determine what the insurance providers will offer you. Still, It is crucial to think about your situation when making your decision because the cheapest insurance might not always be the best for you. Some things to consider before deciding on what motorcycle insurance to get are: The motorcycle type: It will be much more expensive to insure a top-end motorbike. Many advise that a top-end motorcycle should not be a first for anyone. Expensive bikes require unique parts for repair, and the replacement value is always staggering. Thus, the insurance companies will make anyone who owns such a bike pay more to cover that possibility. This also stands for modified motorcycles. It helps if you have a good no-claims history with previous insurance. Motorcycling skills: Having good motorcycling skills and being able to demonstrate it will aid in a drop in insurance premiums. Taking safety courses and ensuring your prospective insurer knows about it will be beneficial. Motorcycle usage: There are three types of usage when it comes to motorbikes. Private use, private use and commuting to work, and private or business use. To get an insurance scheme, insurers will ask clients to reveal their usage. This may incur additional options or lower the fees that will be required. Not being truthful is considered a breach of agreement and trust.

How to Understand Which Motorcycle Insurance Discounts to Use?

Motorcycle insurance discounts are a great way to lower premiums. They are calculations made by a provider to determine how likely a person is to get involved in an accident. A motorcycle insurance discount is also applied to policies transferring coverage from another insurance company. This will not happen if there is more than a 180-day lapse in coverage. It is important to note that motorbike insurance is highly competitive, and different discounts may be applied at different periods. There are four major types of motorcycle insurance discounts:

• Safety discounts: These are reserved for people insurance providers deem not likely to get into an accident. Safety discounts are sometimes determined by age and the condition of a client’s bike.
• Bundling discounts: These can be gotten if a person buys multiple types of insurance with the same company.
• Group discounts: These are provided to those who belong to a certain association or profession. Good examples are military discounts and teacher discounts.
• Loyalty discounts: They are provided to loyal customers who have been with a particular company for a long time.

All discounts are great. However, you have to meet certain conditions. The best discount is usually the safety discount provided to individuals that an insurance company has determined are unlikely to get in an accident. These are usually older people with more driving experience.

How to Compare the Motorbike Insurance Quotes?

The only way to know if the motorcycle insurance a person is getting is the best is to compare quotes. To do this, begin with checking the coverage. Providers will ask a person to set their coverage levels. These will be displayed as fractions like 50/100 or 100/300. These numbers stand for the exact amount an insurance company will provide in the event of an accident. The first number is the highest amount the provider will pay per person per accident. The second is the amount the company will pay for the entire accident. While comparing motorcycle insurance, ensure the coverage limits are the same for each company from which you obtain a quote. Get quotes from several comparison sites, then bargain for a bigger discount with the chosen company. Below is a comparison table for some popular motorcycle insurance quotes.

What is the Most Affordable Motorcycle Insurance for London?

Bennetts, Swinton and Devitt are the top three most affordable motorcycle insurance in London. All three also happen to be some of the oldest motorcycle insurance specialists. Devitt and Swinton are known for their extremely cheap covers, while Bennetts are famous for their VIP treatment of customers.

What are the Advantages of Having Cheap Motorcycle Insurance?

There are a few advantages of having cheap motorcycle insurance. Below are a few of them:

• It is cheaper and less of a burden. It is easier to keep payments on time for cheap insurance, thereby protecting your credit score.
• It covers essentials and helps limit excess spending on options that you may never need.

What are the disadvantages of Having Cheap Motorcycle Insurance?

There are disadvantages to having cheap motorcycle insurance. Below are a few of them:

• It has limited coverage for custom parts or modified bikes.
• It opens you up to more liability in case of accident or theft.

Which one is more expensive, Car or Motorcycle Insurance?

Car insurance is generally more expensive than motorcycle insurance. Cars typically cost more than motorcycles. However, this does not mean that insuring a car is always more costly than insuring a motorbike. Getting insured as a rider requires higher premiums. This is because riders are more likely to be in accidents. Therefore in some cases, motorcycle insurance may become more expensive than car insurance. Other than this, motorcycle insurance is usually cheaper than car insurance since they are less expensive to repair.

Can you get Temporary Insurance on a Motorcycle?

Yes, you can get temporary insurance on a motorcycle. However, such packages are not very common. Some companies may insure a motorcycle for as low as three months to one day. Temporary insurance is mostly used to get comprehensive coverage for a motorcycle on lease.