Top 10 Motorcycle Insurance Companies UK
Many brokers and insurance companies offer motorcycle insurance in the UK. Some of the big motorcycle insurance brokers and motorcycle insurance comparison forums include;
- BikeSure
- GoCompare
- MSE
- Bennetts
- MoneySuperMarket
- Devitt
- GoSkippy
- Lexham Insurance
- Swinton Insurance, and
- Carole Nash.
These companies can help you collect motorbike insurance quotes quickly. However, the real price-makers for motorbike insurance are the insurance underwriters.
Top 10 Motorbike Insurance UK
These are the top motorcycle insurance companies in the UK. Some of these insurance companies directly offer insurance plans and coverage. However, most companies insure motorbikes through brokers.
- Aon
- Allianz
- Novitas
- Prudential Plc
- WTW
- Aviva
- Highway/LVE
- Phoenix Group
- Beazley
- KGM
- RSA Insurance
- Ageas
- Aviva
- Zurich
You need at least third-party insurance coverage to ride a bike on UK roads. Third-party insurance only covers the damages you cause to others. This policy does not cover your losses.
There are three main types of insurance coverage for motorcyclists.
- Third-Party Only (TPO)
- Third Party, Fire & Theft (TPFT)
- Comprehensive Coverage
All of the top 10 motorcycle insurance companies UK offer these three insurance covers for motorbikes.
Let’s Compare Motorcycle Insurance Companies
The best way to assess the product and service quality of a motorbike insurer is to read their reviews, check their customer support, see if and how they respond to customer questions & emails, and understand how they handle claims.
We analyzed customer reviews for some big insurance brokers. Here are some of the top-rated motorcycle insurance brokers in the UK according to review platforms.
We checked motorbike insurance companies’ reviews on these platforms.
- Trustpilot
- Reviews.io
- SmartMoneyPeople
- Feefo
- Google Reviews
| Top 10 Motorcycle Insurance Companies | TrustPilot | Reviews.io | SmartMoneyPeople | Feefo | Google Reviews |
|
MoneySuperMarket |
4.8 stars (14,810 total reviews) | 3.5 Rating, 91 Reviews |
4.73 rating, Based on 31 reviews |
4.7 for product, 4.8 for service, total 240,910 reviews | Not Available |
| GoCompare |
4.7 stars (115,414 total reviews) |
4.6 Rating, 38,927 Reviews | Not Available | Not Available | Not Available |
| Bennetts | 4.6 stars (14,146 total reviews) | 4.4 Rating, 2,013 Reviews |
4.10 rating, Based on 15 reviews |
Not available | Not Available |
| Devitt | 4.6 stars (24,499 total reviews) | 3.6 Rating, 302 Reviews |
2.06 rating, Based on 14 reviews |
Not available |
4.3 rating, 4,078 reviews |
| BikeSure | 4.3 stars (18,556 total reviews) | 2.5 Rating, 155 Reviews |
1.29 rating, Based on 58 review |
Not available | Not available |
| GoSkippy | 4.3 stars (23,013 total reviews) | 4.5 Rating, 31,552 Reviews |
1.51 rating, Based on 233 reviews |
Not available | Not available |
| Swinton Insurance | 4.3 stars (34,793 total reviews) | 3.0 Rating, 481 Reviews |
2.40 rating, Based on 182 reviews |
Not available | Not available |
| Carole Nash | 4.3 stars (26,454 total reviews) | 1.7 Rating, 365 Reviews |
2.47 rating, Based on 20 reviews |
8,206 reviews, no rating as Carole Nash not active on Feefo | Not available |
| Lexham Insurance | 3.2 stars (1,296 total reviews) | 4.3 Rating, 4,545 Reviews |
3.89 rating, Based on 8 reviews |
Not available |
3.1 rating, 1,323 reviews |
| MSE | Not available | 3.7 Rating, 3 Reviews | Not available | Not available | Not available |
Buying Motorcycle Insurance from an Insurance Broker vs an Underwriter
Most people buy motorcycle insurance from brokers. Insurance brokers are the intermediaries between the customer and the insurance company.
Also, most insurance companies, aka insurance underwriters, don’t offer their products or services directly to the consumers.
Putting it in simple terms, an insurance broker works with clients to help them find the best policies while underwriters assess the risk and decide if a client can be approved for a motorcycle insurance coverage plan or not.
Brokers help you weigh your options, get more quotes, and decide on the best possible solution. Their interests more closely align with clients like you so they can mostly offer better value.
How can you find the cheapest motorbike insurance for you?
There is no universal cheapest when it comes to motorbike insurance. Insurance quotes for motorcycles will change for every individual as circumstances and conditions change. Also, the history of each driver is different.
Your quote for motorcycle insurance depends on many factors including your motorcycle make and model, the value of your bike, your financial health, past convictions, and where you live, where you park your motorbike, among others.
Here is a brief guide on how you can get the cheapest insurance quote for your motorcycle.
Decide on the Insurance Coverage You Need
Motorcycle insurance is of three types.
- Third-party (only covers the losses you cause to others)
- Third-party, fire & theft (covers losses to others & losses to your vehicle because of fire and theft)
- Full Comprehensive (covers everything, usually cheaper with better value for the money)
Additional Insurance Coverage
If you regularly go on foreign trips on your motorcycle or you have a pillion passenger to carry, your insurance cost will be higher.
Read our travel & touring motorcycle insurance guide to know more about insurance for motorcycle trips.
Compare Insurance Quotes
Quote comparison is where you get the right deal.
Start collecting quotes for motorcycle insurance 20-26 days before you buy your motorcycle. You will understand how quotes change for different motorcycle models.
Compare as many as possible quotes from motorcycle insurance companies. Make a well-informed decision.
If you wish to get temporary motorcycle insurance for a lent motorcycle, read our guide on temporary motorcycle insurance for UK riders.
Pay Yearly
Insurers may charge interest on monthly payments. Pay yearly to reduce motorcycle insurance costs.
Choose Your Motorcycle Wisely
Insurance is costly for motorcycles with bigger engines, modified motorcycles, imported motorcycles, and electric motorcycles. For example, travel insurance for motorcycles above 125cc is more expensive.
Lower Annual Mileage
When you ride fewer miles, you pay a low insurance premium.
Increase Voluntary Excess Amount
Voluntary excess lowers your insurance premium but you’ll have to pay that amount when making a claim.
Build No-Claim Bonus
Your no-claim bonus speaks volumes about you being a careful and responsible rider. Your no-claim bonus can reduce the premium amount.
Avoid Motorcycle Modifications
Motorcycle modifications make it hard and costly to repair, which can drive up the insurance cost.
Park Your Motorcycle in a Garage
You will get cheaper motorcycle insurance if you park your motorbike in a secure garage. Parking in the street increases risk & insurance prices.
Take Training Courses
When you are more knowledgeable about riding your bike with more training courses, your motorcycle insurance price goes down.
Electric motorcycle insurance is expensive. If you have an electric motorcycle, your insurance premium will be comparatively higher.
FAQs
Who is the best motorcycle insurance company in the UK?
As far as customer reviews are concerned, Devitt & Carole Nash have the best reviews and can be considered the best motorcycle insurance companies in the UK.
Which motorcycles are most expensive to insure?
These motorcycles are expensive to insure.
- High-value motorcycles
- Imported motorcycles
- Extensively modified motorcycles
- Electric motorcycles
Who is the cheapest for motorcycle insurance?
The cheapest insurance for your motorcycle depends on your unique circumstances. The best way to find the cheapest motorcycle insurance is to gather and compare a lot of insurance quotes.
