Motorcycle Insurance in the UK
Third Party is the legal minimum, but your licence category has to match your bike before an insurer will cover you at all.
Top 10 Motorcycle Insurers in United Kingdom
Ranked by performance & user satisfaction
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| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
1
Admiral
|
Comprehensive
Third Party, Fire & Theft
|
Multi-car policy option available
Online quote and management
|
|
|
2
Aviva
|
Comprehensive
Third Party
|
Electric vehicle cover available
Online policy management
|
|
|
3
Direct Line
|
Comprehensive
Third Party Property
|
Direct-to-customer model
New car replacement option
|
|
|
4
Churchill
|
Comprehensive
Third Party, Fire & Theft
|
Protected no-claims discount option
24-hour emergency helpline
|
|
|
5
Hastings Direct
|
Comprehensive
Telematics Options
|
Telematics policy option available
Multiple cover levels
|
|
|
6
LV= (Liverpool Victoria)
|
Comprehensive
Electric Vehicle Specialists
|
EV-specific cover available
Mis-fuelling cover included in comprehensive
|
|
|
7
AXA UK
|
Comprehensive
Third Party Property
|
Lifetime repair guarantee offered
Online claims available
|
|
|
8
Saga
|
Comprehensive
Over-50s Specialization
|
Eligibility restricted to drivers aged 50 and over
No-claims protection as standard
|
|
|
9
esure
|
Comprehensive
Third Party, Fire & Theft
|
Online self-service platform
Multiple cover levels
|
|
|
10
1st Central
|
Comprehensive
Legal Protection
|
Online-first management
Legal protection option available
|
Admiral
Aviva
Direct Line
Churchill
Hastings Direct
LV= (Liverpool Victoria)
AXA UK
Saga
esure
1st Central
Full Motorcycle Insurance Directory
Exhaustive list of regional providers
| Insurer | Coverage Types | Highlights | Action |
|---|---|---|---|
|
Admiral
|
Comprehensive
Third Party, Fire & Theft
|
Multi-car policy option available
Online quote and management
|
|
|
Aviva
|
Comprehensive
Third Party
|
Electric vehicle cover available
Online policy management
|
|
|
Direct Line
|
Comprehensive
Third Party Property
|
Direct-to-customer model
New car replacement option
|
|
|
Churchill
|
Comprehensive
Third Party, Fire & Theft
|
Protected no-claims discount option
24-hour emergency helpline
|
|
|
Hastings Direct
|
Comprehensive
Telematics Options
|
Telematics policy option available
Multiple cover levels
|
|
|
LV= (Liverpool Victoria)
|
Comprehensive
Electric Vehicle Specialists
|
EV-specific cover available
Mis-fuelling cover included in comprehensive
|
|
|
AXA UK
|
Comprehensive
Third Party Property
|
Lifetime repair guarantee offered
Online claims available
|
|
|
Saga
|
Comprehensive
Over-50s Specialization
|
Eligibility restricted to drivers aged 50 and over
No-claims protection as standard
|
|
|
esure
|
Comprehensive
Third Party, Fire & Theft
|
Online self-service platform
Multiple cover levels
|
|
|
1st Central
|
Comprehensive
Legal Protection
|
Online-first management
Legal protection option available
|
Admiral
Aviva
Direct Line
Churchill
Hastings Direct
LV= (Liverpool Victoria)
AXA UK
Saga
esure
1st Central
UK motorcycle insurance runs on the same third-party legal minimum as cars, but licence category rules are genuinely specific to bikes — riding beyond your licence stage isn't just illegal, it can void your cover entirely.
Licence Categories Matter to Insurers
Compulsory Basic Training (CBT) restricts you to smaller-capacity machines with L-plates. A full A1, A2, or A licence unlocks larger bikes depending on age and progression. Insurers check this closely before issuing cover.
Protective Clothing and Accessories
Standard comprehensive typically doesn't extend to riding gear — helmet, jacket, boots — automatically. Many insurers offer this as a separate add-on, worth checking specifically if you've invested in quality gear.
No Claims Discount and Multi-Bike Policies
NCD works similarly to car insurance, rewarding claim-free years. Multi-bike policies can be more cost-effective than insuring several bikes separately, particularly while building NCD across them.
Sports and Modified Bikes
High-performance and heavily modified bikes typically attract higher premiums and closer underwriting scrutiny, given claims data showing higher accident and theft rates for these categories.
Key Guidance
Make sure your licence category genuinely matches the bike you're insuring — this is one of the most common reasons a motorcycle claim gets disputed. For the full application and claims process, read our complete guide.
In-Depth Guide
Motorcycle Insurance in the UK: How to Get It and How to Claim It
Full application and claims process →
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