Electric motorcycles are gaining popularity in the UK. Though most electric motorcycles are not as fast as gas motorcycles, yet the government requires you to have motorcycle insurance for them. 

In this blog, we will help you understand how electric motorcycle insurance UK works and how you can get a good deal on insurance. 

Do electric motorcycles need insurance?

Yes, electric motorcycles need insurance. As per UK road regulations, all scooters, mopeds, and motorcycles need to have at least third party insurance. 

Third party insurance only covers the damages caused to others by your vehicle. It does not cover any damages to you or your vehicle. 

How much insurance cost for electric motorcycle UK?

The exact cost of insurance for electric motorcycle UK depends on many factors, including:

• Type of Bike 
• Rider’s age and experience 
• Rider’s Job
• Rider’s Record and Convictions, and more. 

Each insurance provider will ask you a slightly different set of questions. Some of the questions are price-sensitive, meaning your answer to them will affect the price of the insurance policy you will get. 

The average cost for insurance for an electric motorcycle can range between £200-£300.

The exact insurance cost will be different for every rider as individual circumstances are different. 

Also, electric motorcycle insurance is usually more expensive than other motorcycles as electric motorbikes are more expensive to buy and repair. The general risk is usually higher with electric motorcycles. 

How to find cheap electric motorcycle insurance in the UK?

Getting a cheap electric motorcycle insurance is a mix of your riding history, insurance history, convictions, income & profession, and your electric motorcycle details. 

Use this simple process to find cheap electric motorcycle insurance deals in the UK. 

Get Lots of Quotes 

Insurance companies and comparison platforms are literally lining up to give you quotes. Contact as many as you can and get quotes. You will surely be well-informed and get a better deal. 

Keep your Record Clean 

You get better insurance electric motorcycle prices if your record is clean and you have never had any motoring and non-motoring conviction. 

Buy Comprehensive Coverage 

Sometimes, comprehensive coverage can be cheaper than other plans i.e., third party & third party + fire and theft. 

Keep your Electric Motorcycle in a Garage

Insurance companies take into account where you park your electric motorcycle. If you keep your motorcycle in a garage, you will generally get better rates. 

Buy Security Accessories for Your Motorcycle 

If your bike has an electric alarm or immobiliser installed, you will probably get a cheaper electric motorbike insurance quote.

Also consider adding an experienced driver with a clean record to your policy to lower the prices.

Where to get electric motorcycle insurance?

These are the top electric motorcycle insurance companies in the UK. This list also includes insurance comparing platforms that help you quickly get a quote, compare, and make an educated decision. 

• Lexham Insurance 
• Bikesure
• Devitt
• Bike Insure 
• Swinton Insurance 
• Clean Green Compare 
• The Bike Insurer

FAQs

Why is electric motorcycle insurance so expensive?

Many factors contribute to higher insurance prices for electric motorcycles including;

• Fewer insurers 
• High prices of the electric motorbikes
• A great risk of theft and damage as electric motorcycles are mostly used in urban areas
• Electric motorcycles are more expensive to repair 
• Many of the electric motorcycles are imported, that too without a chassis number 

However, electric motorcycles are definitely cheaper to operate. 

How much is insurance on an electric motorbike in London?

Insurance prices for electric motorbikes in London can vary greatly depending on the factors like motorcycle model, rider’s age & experience, rider’s income & financial health, rider’s insurance record, motoring/non-motoring conviction, among many others. 

It is hard to predict a number without individual details. Your best bet is to collect as many insurance quotes as possible.