We researched the cost of Third Party Only motorcycle liability insurance and found that MCE Insurance provided the cheapest quotes across the board. MCE quoted our sample bike riders an average annual price of £255 for bike liability cover, which was 63% less than the average quote in our study.
- Which Companies Provide Cheap 3rd Party Liability Motorcycle Insurance?
- Cheap 3rd Party Liability Motorcycle Insurance Companies by City
- Cheap 3rd Party Liability Motorcycle Insurance Companies for Different Bikes
Prices can vary widely depending on your individual situation (e.g., where you live, which bike your ride, your driving record, your age, etc.), so be sure to compare prices across a range of insurance companies before deciding on the best Third Party Only motorcycle insurance for you.
Cheap Third Party Liability Motorcycle Insurance Companies
In order to determine which motorcycle insurance companies provide cheap third party liability insurance, we gathered 200 quotes across 4 popular motorcycles for riders living in different cities in England. We then ranked the insurance companies based on their average quotes across all scenarios.
The data showed that MCE was by far the cheapest motorcycle insurance company for providing Third Party Only liability insurance, with an average quote of £255 per year. Lexham, Just Motorcycle Insurance, Devitt and Bikesure rounded out the top 5.
|Insurance Company||Cheap Quotes|
|Just Motorcycle Insurance||£555|
|Motorcycle Action Group||£590|
Note: While Just Motorcycle Insurance (JMI) offered very competitive bike liability quotes for most of the bikes in our study, JMI quotes for the Yamaha YZF-R125 were very high—over £20,000. As a result we excluded JMI data for this bike from our study so as not to skew the results. For other bikes, good deals could be found at JMI, but you'll need to compare prices to see how they fare for your bike.
Please keep in mind that you be quoted a higher or lower rate relative to the average cost of motorcycle insurance, due to factors such as the bike your ride, your age, where you live, etc.
Cheap 3rd Party Only Insurance Companies by Geography
Depending on where you live, you may pay more or less than riders in other areas. To show how prices can change by your location, we gathered 3rd Party Liability insurance quotes for bike riders living in Birmingham, Manchester and London. By far, bike riders in London paid the most of the three major UK cities—specifically, the average London 3rd party bike insurance quote was £956, which was 48% more than Manchester and 34% more than Birmingham. Here were the cheapest three car insurance companies for each of the three cities:
|City||Insurance Company||Cheapest Quotes|
|Motorcycle Action Group||£427|
|Just Motorcycle Insurance||£304|
Which Companies Provide Cheap Third Party Bike Insurance in Birmingham?
According to our data, MCE offered the cheapest Third Party motorcycle insurance for Birmingham riders, with an average cost of £240 across our range of bikes, which was a whopping 62% less than the average Birmingham quote. Bikesure, Motorcycle Action Group, Just Motorcycle Insurance and Devitt were the next cheapest Third Party Only bike plans in Birmingham, costing in the region of £410 to £520 per year.
Which Companies Provide Cheap Third Party Bike Insurance in London?
MCE provided the cheapest 3rd Party motorbike insurance for London riders, charging an average of £319 per year (67% less than the average London quote). Lexham, Insure Wiser, Devitt and Just Motorcycle Insurance were the next 4 cheapest insurance companies for bike liability insurance in London.
Which Companies Provide Cheap Third Party Bike Insurance in Manchester?
Once again, MCE took the spot for cheapest Third Party Only bike insurance, for Manchester residents. Across our four sample bikes, MCE quoted only £205 which was 59% less than the average Manchester quote. The next cheapest 3rd party liability bike insurance companies in Manchester were Just Motorcycle Insurance, Lexham, Devitt and Bikesure.
Cheap 3rd Party Liability Motorcycle Insurance Companies for Different Bikes
The type of motorbike you ride will impact the price you pay for Third Party liability insurance. Generally speaking, the larger the engine and the faster the bike, the more you'll pay for Liability cover. This is because speed is a major factor in many road accidents. For example, liability insurance for a Suzuki GSX R1000 costs 3.3X the cost of cover for a Honda Vision 110. In addition, owners of faster bikes not only pay more for liability insurance, but they'll typically have fewer insurance companies from which to choose.
|Motorcycle||Average Annual Cost of Liability Insurance|
|Honda Vision NSC 110||£381|
|Yamaha YBR 125||£429|
|Yamaha YZF R125||£923|
|Suzuki GSX R1000||£1,250|
In order to determine what a rider will typically pay for Third Party Only liability motorcycle insurance and to pick out the cheapest third party bike insurance companies, we gathered quotes for a Honda Vision NSC 110, Yamaha YBR 125, Yamaha YZF R125 and Suzuki GSX R1000. Our sample driver was 30-year-old male driver with a Full UK Motorcycle Licence and 5 years of No Claims Discount and drives under 4,000 miles per year.
To get a picture of how prices change around the country, we gathered prices in Manchester, Birmingham and London. Altogether we collected around 200 quotes from the following 18 UK bike insurance companies:
- Bikesure Elite
- Entire Cover
- Hastings Premier
- Hastings Direct
- HR insure
- Insure Wiser
- Just Motorcycle Insurance
- Mackenzie Hodgson
- Motorcycle Action Group
- One Call
- Principal Insurance
To get started shopping for motorbike insurance, click the button below to get quick quotes for cheap bike insurance companies in your area.