Bikesure Motorcycle Insurance Review: The Bike Insurance for You?

Bikesure Motorcycle Insurance Review: The Bike Insurance for You?

Good for

  • Motorcycle specialist broker
  • SORN, short-term, classic, young rider, etc.
  • £100,000 free Legal cover
  • EU cover
  • Competitive prices

Bad for

  • Not the cheapest

Cheap Insurance Quotes in Your Area

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Bikesure Insurance is Adrian Flux's high-quality, specialist motorcycle broker with access to 40 different motorbike and moped insurance schemes to suit most needs. Customers can expect competitive prices and helpful customer service, plus Bikesure provides many niche products, such as short-term bike insurance, multibike policies or cover for superbikes, grey imports, or other unusual motorbikes.

Bikesure: Solid Reviews and Good Pricing

One of the leading specialist motorcycle brokers in the UK, BikeSure offers good motorbike insurance rates for learners, younger riders, experienced riders, commuters and motor biking enthusiasts. In addition to regular motorbike insurance, BikeSure offers Classic, Custom, Quad, scooter and moped cover, plus cover for modifications and customized bikes.

Riders with motoring convictions and criminal convictions may be covered and those going on a road trip can get up to 180 days' European travel, up to 90 days per trip. Laid Up and Short Term cover are also available. Every policy comes with £100,000 of free legal cover and EU cover, plus BikeSure also offers optional add-on coverages including personal injury, comprehensive breakdown and helmet & leathers.

Bikesure Motorcycle Insurance

Bikesure is a reliable, specialist motorcycle insurer, which offers a wide range of features and coverages to suit most people. For example, they can offer cover for superbikes, imports, SORN, young riders, short-term cover, etc. at competitive prices. On top of that, prices are competitive and the company receives good marks from customers.

Bikesure Motorcycle Insurance Discounts

Bikesure offers a number of discounts to help bring down your motorcycle insurance rate. Most discounts are standard across the industry and depend on your driving history and the security of your bike when it's not being ridden. For instance, securing your bike in a locked garage when not in use can save you around 20% on comprehensive cover, depending on your particular details. Below, we provide details on a few Bikesure motorcycle insurance discounts.

Bikesure Bike Insurance DiscountsHow Do You Earn It?
Where You ParkKeeping your bike garaged while it's not being ridden can drop the rate by 10% to 30%
Driving RecordIf you're a good driver, don't speed and don't have any motoring convictions, you should get a lower price
No ClaimsIf you don't have any claims, your motorcycle quote can be lower by 15% to 70%
Bike SecurityExtra locks or an alarm on your bike might secure you a discount of between 5% and 15%
Riding SkillsTaking an insurer-approved advanced riding class (e.g., Enhanced Rider Scheme, Royal Society for the Prevention of Accidents (RoSPA) and the Institute of Advanced Motorists (IAM)) to potentially save up to 10%
Riding ClubsBikesure offers members of the British Motorcyclists Federation (BMF) and the Motorcycle Action Group (MAG) a discount of up to 25%
MultibikeSave up to 10% to 50% when insuring more than one bike with Bikesure
MileageTrack and report your mileage so you don't overstate the number of miles you drive per year, to potentially save 5% to 25%
Pay AnnuallyBy making an upfront payment for the entire year instead of paying monthly, you won't pay interest charges and can save 10% to 15%

Bikesure Motorcycle Insurance Extra Coverages

Bikesure motorcycle insurance policies are stripped back to basics, helping keep insurance rates low. For extra coverages like breakdown or helmet & leathers, you'll need to pay extra. For example, Bikesure's breakdown cover starts at £53 per year and will fix or recover your vehicle at the side of the road in the UK or EU. Details of Bikesure optional extras are shown in the table below.

Bikesure Extra CoveragesDescriptionPremium
Helmet and LeathersDamaged motorcycle clothing will be repaired or replaced up to £1,000£26
Personal AccidentAdditional compensation in the event of accidental death, loss of sight, loss of limbs and road rage assault, up to £12,500£17
Breakdown coverIncluding 24 hour UK and EU roadside assistance and recovery, reimbursement for emergency accommodation, hire of an equivalent bike and transport home, to a garage or to a destination of your choiceFrom £53
Excess ProtectionCover for excess you paid, up to £300, £500 or £1,000 (depending on premium paid) in the event of a claim, including non-fault claims where you haven't been able to recover your excess from a liable third party within 6 monthsFrom £34.99
KeysCover for locksmith expenses, replacement locks and keys, car immobilizer replacement costs, and transport costs if you're stranded, up to £1,500£17
Ride Any BikeUp to a £5,000 claims limit, accidental damage, third party, fire, and theft cover included, and no need to let Bikesure know every time you borrow a new bike
Agreed ValueFunds for a replacement bike at the full value of your bike, if it's written off

Bikesure Scooter Insurance and Bikesure Moped Insurance

Bikesure can offer scooter and moped insurance for most makes and models, including the recent explosion of imported Chinese mopeds and scooters. If you need scooter or moped insurance, consider a Bikesure insurance policy if you want a competitive rate and good customer service. With Bikesure, you'll have access to the same discounts and features mentioned above in the discussion of motorcycle insurance.

Bikesure Bike Insurance Quotes

Bikesure's bike insurance quotes were good to average compared to its competitors overall. Bikesure really stood out for low premiums for young riders. Whilst not the absolute cheapest, you may pay a lower compulsory excess with Bikesure should you need to claim, and extras like helmet & leathers and personal accident cost less at Bikesure than competitors Lexham and Just Motorcycle Insurance.

Cheap Bike Insurance Companies for Young Bike Riders

RankInsurerAnnual PremiumComprehensive Excess
1Lexham£1,338£750
2MCE£1,549£1,050
3Bikesure£2,215£600
4Motorcycle Action Group£2,227£600
5Bikesure Elite£2,286£600
Average£2,815

You can sometimes save money on your premium by opting for a plan with a higher excess, but you'll be out of pocket for the amount of that higher excess should you need to claim. Some people prefer to pay a higher premium now, so they pay a lower excess should a claim arise.

chart showing the cheapest motorcycle insurance companies for a 19 year old

Bikesure Customer Reviews, Complaints and Ratings

Bikesure's customers give the company quite high marks for an insurer, which many reviews noting the helpful and polite customer service representatives and attractive pricing. Of the few complaints we've read, many related to Bikesure asking a lot of questions as part of the quote process. While this may take some time, a complete profile is necessary to help an insurer provide the best quote for each individual's unique situation.

Bikesure Online Tools

Bikesure policyholders can create an online account, on which you can view your policy details, such as cover, riders, your personal details and policy excesses. In addition, you're able to download your policy booklet, complete your agreed value form, upload photos, complete any outstanding paperwork or forms, access your Premium Credit account (for those who pay monthly) and change your email address or password if necessary.

Bikesure has plans to add online functionality including the ability to download your certificate and schedule and also to make payments.

Cheap Insurance Quotes in Your Area

Quickly compare up to 100 UK insurance providers.

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Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.