Cheap Liability Motorcycle Insurance

According to analysis of the latest 2026 market data, Lexham remains a leading provider for budget-conscious riders, with an average annual quote of £625 for third-party liability cover for a sample bike and rider. While premiums have risen across the sector due to higher repair and parts costs, Lexham’s pricing was still much lower than the other quotes returned in our current study, maintaining its position as a highly competitive option for basic coverage.

• 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
• Methodology

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 dozens of quotes across three popular motorcycles for riders living in three different cities in England. The results include a few important takeaways.

1. Limited Choice

Market appetite for Third Party Only (TPO) cover remains restricted in 2026.

For our sample rider profile, only Lexham, BeMoto, and One Call consistently returned TPO quotes. Interestingly, Bennetts and several other major brokers like Carole Nash, Hastings, and Devitt have further shifted their focus toward Comprehensive-only models for most standard profiles, often declining to quote for TPO unless for specialized vintage or high-risk cases.

2. Comprehensive can be cheaper than third party only, especially for bigger, more expensive motorbikes

Our study demonstrated that for smaller moped-style bikes, third party liability cover was often cheaper than comprehensive—but not by much. Averaging the cheapest quotes in 2026, our Honda PCX 125 was quoted £945 for comprehensive cover and £882 for third-party only. However, for larger, high-value bikes, the trend of 'Comprehensive being cheaper' has intensified. For the Yamaha MT-10 (now valued at £13,200) and the BMW R1250 GS Adventure TE (now valued at £22,800), the average comprehensive premium was significantly lower than TPO, as insurers perceive TPO applicants for high-value bikes to represent a higher statistical risk of secondary claims.

Please keep in mind that you may 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 Hackney London 3rd party bike insurance quote was over £2K, more than double the cost in Stockport, Manchester. Here is how liability and comprehensive pricing differed across the three bikes in our study for each of the three cities:

Which Companies Provide Cheap Third Party Bike Insurance in Birmingham?

According to our data, Lexham continues to offer the most competitive TPO rates for Birmingham riders in 2026, with annual quotes starting from around £512 for the Honda PCX and £945 for the Yamaha MT-10.

Which Companies Provide Cheap Third Party Bike Insurance in London?

In London, consistently the most expensive UK city for insurance, TPO quotes for our sample rider averaged £3,350 in 2026—often exceeding the cost of a comprehensive policy. Lexham remained the most affordable outlier, with a price point approximately 25% lower than the next closest provider, One Call.

Which Companies Provide Cheap Third Party Bike Insurance in Manchester?

For a Manchester-based rider in 2026, Lexham quoted £325 for the Honda PCX and £784 for the Yamaha. Across our Manchester testing pool, Lexham's TPO premiums were over 45% cheaper than the nearest market competitors.

Cheap 3rd Party Liability Motorcycle Insurance Companies for Different Bikes

According to analysis of 2026 premiums, TPO cover for a Yamaha MT-10 now costs approximately 2.8X more than cover for a Honda PCX 125. Meanwhile, insuring a high-spec BMW R1250 GS Adventure TE for liability only is roughly 2.2X more expensive than the Yamaha, reflecting the higher liability risks associated with heavier, more powerful adventure tourers.

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.

Methodology

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 PCX 125, Yamaha MT-10, and BMW R1250 GS Adventure TE. Our sample driver was 50-year-old driver with a Full UK Motorcycle Licence and 5 years of No Claims Discount driving under 4,000 miles per year.

To get a picture of how prices change around the country and for different vehicles, we gathered prices in Manchester, Birmingham and London. Altogether we requested quotes from the following UK bike insurance companies:

In March 2026, we adjusted the estimated premiums to reflect current market pricing. You rates will certainly vary, and the cheapest provider for you may be different than any mentioned here.

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