Compare Top 10 Motorcycle Insurance Companies UK

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  • Rated 4.75 out of 5 stars on Reviews.co.uk
  • 51% of consumers could save up to £195 on their motorbike insurance

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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.

  • Bennetts motorcycle insurance logo
  • Carole Nash motorcycle insurance logo
  • Devitt motorcycle insurance logo
  • Lexham motorcycle insurance logo
  • LV motorcycle insurance logo
  • MCE motorcycle insurance logo
  • Bennetts motorcycle insurance logo
  • Carole Nash motorcycle insurance logo
  • Devitt motorcycle insurance logo
  • Lexham motorcycle insurance logo
  • LV motorcycle insurance logo
  • MCE motorcycle insurance logo
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Bennetts motorcycle insurance logo
Carole Nash motorcycle insurance logo
Devitt motorcycle insurance logo
Lexham motorcycle insurance logo
LV motorcycle insurance logo
MCE motorcycle insurance logo

There are dozens of motorcycle insurance providers in the UK. How can you compare them to find the best motorbike company for you? While the market is largely dominated by a few bike insurance specialists and big-name brands, they are all a bit different. To help you choose the best motorbike insurance company for your needs, we compiled a list of the top ten motorcycle insurance companies in the UK (ranked by features and customer service) and explain what's special about each one.

NimbleFins has been featured on

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Don't Miss Out, Here are the Top 10 Best UK Motorcycle Insurance Companies

RankCompanyTrustpilotDefaqtoNumber of reviews% of bad (1 star) reviews
1 (tie)Devitt4.7515,5003%
1 (tie)BeMoto4.85 (4 for Carbon)8003%
3LV=4.75 (3 stars for Highway Motorcycle Insurance)51,9002%
4Bikesure4.4510,5006%
5Hastings Direct4.45108,00010%
6 (tie)Bennetts4.453,90013%
6 (tie)Carole Nash4.45 (3 stars for Carole Nash Select)12,00010%
8Lexham4.3333,4007%
9Goskippy4.2512,20015%
10MCE3.457,50025%

Our methodology section explains how we ranked them. Companies like Lexham and Swinton are certainly worth considering even though they're not in the top ten because neither is rated by Defaqto; but they're both rated 4.3 by customers making them solid options as well.

Compare Cheap Motorcycle Insurance Companies

Devitt and BeMoto are arguably the best motorcycle insurance companies in the UK, based on analysis by NimbleFins showing they're the best ranked according to customer reviews and independent ratings, as well as cost. LV= ranked as the third best.

We compared quotes and found that Devitt was the cheapest overall for scooters with smaller 125cc engines through to larger 1250cc motorcycles, sporting a combination of lower prices and excess amounts (the excess is the amount you pay towards a claim). BeMoto, a relative newcomer, was just as competitive for larger motorcycles. Some companies offered low quotes for the 1250cc bike, but policies came with an excess more than 2x the size of competing offers, making them less competitive despite the low premium (e.g. Lexham). Your prices will vary depending on where you live, the bike you drive, your driving history and other factors.

Chart comparing quotes from best cheap motorcycle insurance companies UK

Top 10 Best Motorcycle Insurance Companies UK

Each UK motorbike insurance company offers quite a different experience to customers. For example, the top cheap motorcycle insurance companies like Devitt might get you cheaper quotes, while other companies might offer more robust features included as standard (e.g., EU cover, Helmets & Leathers), and even experiences like discounted track days. Here's what you should know about these companies before you decide which is best for you.

1. (tie) Devitt

Consider this if you want to pay a low price for motorcycle insurance from a popular company with happy customers and few complaints.

Devitt is very popular UK motorcycle insurance specialist broker, and for good reason. Firstly, they are the UK's oldest motorcycle specialist and have been helping customers find insurance for over 80 years (since 1936!). And they're very highly rated by their customers, achieving 4.7 out of 5 stars according to over 15,000 customers at Trustpilot. They typically can offer very competitive prices—if not the cheapest quote, they are usually amongst the cheaper cover available, although this may not hold for everyone.

To keep the prices low, policies are relatively stripped back, so you can customise your policy by adding extra coverages like Legal Assistance, Helmet & Leathers and Personal Accident. And the fraction of customers who have a bad experience is very small (just 3%), which bodes well for anyone thinking of buying a policy from them. Finally, all of their Defaqto-rated products were awarded 5 stars, which is a sign that these policies offer a solid set of basic features (With their 'Evolution' product including the most features as standard).

  • 4.7 out of 5 star Trustpilot customer rating
  • Rated 5 stars by Defaqto for features (Devitt Motorcycle Insurance, Enhanced insurance and Evolution insurance)

1. (tie) BeMoto

Consider this if you want a smaller company with good customer ratings.

A relative newcomer (founded in 2015 by two bike fanatics), BeMoto actually has the highest Trustpilot score in the group (4.8 out of 5 stars) and few customer complaints (also 3%), although there are fewer customer reviews to rely upon here (fewer than 800 at the time of writing). In terms of how their products stack up for basic features, we look to the Defaqto scores for their policies—they have one 5-star rated product (Titanium) and one 4-star rated product (Carbon).

  • 4.8 out of 5 star Trustpilot customer rating
  • 5 star Defaqto rating for Titanium policies and 4 stars for Carbon

3. LV=

Consider this if you want top notch customer experience and don't have complicated insurance needs.

LV= is tied with Devitt for the highest Trustpilot score amongst these motorcycle insurance providers (4.7 out of 5), which is a measure of customer satisfaction. The company also reports high renewal rates, which bodes well for renewal premiums. LV might not be the cheapest in the group and probably won't be as strong for specialist or non-standard needs, but customers get 180 days European cover and Helmet and Leathers cover is included. Their motorbike cover is rated 5 stars by Defaqto when you buy from them (but their Highway product is rated 3 stars).

  • 4.7 out of 5 star Trustpilot customer rating
  • 5 star Defaqto rating (3 stars for their Highway broker product)

4. Bikesure

Consider this if you want solid cover from a specialist motorbike insurer and free legal cover.

Bikesure is the motorcycle insurance specialist arm of Adrian Flux, the UK's largest specialist motor insurance broker. Bike sure can cater to SORN, short-term, classic, grey imports, young rider and other niche products. Defaqto has recently started rating Bikesure's Motorcycle Policy and Elite Motorcycle policy, and they have both earned 5 stars.

  • 4.4 out of 5 star Trustpilot customer rating
  • 5 stars by Defaqto

5. Hastings Direct

Consider this if you want to buy from a company that underwrites their own policies.

Hastings is one of the 10 largest motor insurance companies in the UK—a very popular brand particularly well known from price comparison websites. Since they underwrite their own policies, you know what you're getting. On their website they offer two levels of bike cover: Hastings Direct and Hastings Premier. Both include 90 days of EU cover each trip abroad per trip. Hastings Premier policies are Defaqto rated 5 star and include Helmet and leathers cover and £100,000 of legal cover.

  • 4.4 out of 5 star Trustpilot customer rating
  • 5 star Defaqto rating (Direct and Premier)

6. (tie) Bennetts

Consider this if you want specialized motorbike insurance from a leading UK broker.

Bennetts is one of the UK's leading bike insurance brokers. They were established in 1930 so they have a long history, and they now insure over 200,000 motorcyclists in Great Britain and Northern Ireland. As standard, policyholders get 90 Days of European Union cover, 3rd party cover for riding other bikes and cover for 16 standard modifications (e.g., seat replacement, grippers, screen changes, etc.)—plus key and lock cover on comprehensive policies. Plus, Bennetts customers get access to money-can't-buy experiences like discounted track days and VIP treatment at the Isle of Man TT. One of the only hitches we noticed was a relatively higher percentage of customers leaving 1-star reviews on Trustpilot (13%) compared to some other names in this list (e.g. LV= at 2% and Devitt and BeMoto at 3%, all top-notch scores).

  • 4.4 out of 5 star Trustpilot customer rating
  • 5 star Defaqto rating

6. (tie) Carole Nash

Consider this if you want to pay a lower price for comprehensive motorcycle insurance with many good features or need specialist cover.

Carole Nash is another bike specialist that provides cover for over 200,000 motorcycles and scooters in the UK and Ireland. Their comprehensive plans include accident and breakdown recovery, up to £100,000 of legal expenses and DNA+ theft protection marking (worth £30) as standard. As a specialist, they can cater to commuters, off road, superbikes, multibike and classic bike cover. Those wanting to insure a car as well can take advantage of their 6 wheel insurance for bike and car and could save you up to £100. Their list of underwriters includes Ageas, ERS, Highway Insurance Company, Aviva, Axa, Markerstudy, Zenith and Allianz.

  • 4.4 out of 5 star Trustpilot customer rating
  • 5 star Defaqto rating (3 stars for Carole Nash Select)

8. Lexham

Consider this if you're happy working with a broker and need specialist cover, in particular for young riders.

Lexham is a specialist motorbike broker that stands out for friendly customer service and some of the lowest rates for young motorcycle riders and drivers. In fact, they ranked cheapest in our study of cheap motorcycle insurance for 17 to 19 year olds. Thanks to its low rates, easy renewal process and customer-focused service team, Lexham motorcycle insurance has very positive customer reviews overall.

  • 4.33 out of 5 star Reviews.io customer rating
  • 5 star Defaqto rating

9. Goskippy

Consider this if you're happy working with a broker and want a lower rate for basic cover, but some policies are not highly rated by Defaqto and many features cost extra.

Goskippy is an insurance broker that works with a panel of insurers to find cheap rates for car, motorcycle, van, home and travel insurance. You may find they offer cheaper rates but you'll need to pay extra for coverage like Helmet and Leathers and replacement vehicle cover. Only their comprehensive policies underwritten by Southern Rock & Watford are rated 5-star Defaqto.

  • 4.2 out of 5 star Trustpilot customer rating
  • 5 star Defaqto rating (Watford Insurance)

10. MCE

Consider this if you want to pay a low price for motorcycle insurance from a true specialist.

MCE is not a broker, as they underwrite their own policies—a true motorcycle specialist. Plus they specialise in convicted driver insurance so if you're having trouble finding an affordable quote elsewhere due to your driving history they are worth checking out. MCE motorcycle policies are rated 5 stars by Defaqto and include 183 days European Cover and extensive modification allowances as free benefits.

  • 3.4 out of 5 star Trustpilot customer rating
  • 5 star Defaqto rating

Which is better? Motorcycle Insurance Specialist vs.Larger Company

Well-known names in the UK motorcycle market include motorcycle specialists (e.g., Devitt, Bennetts, Carole Nash, MCE, Lexham, Bikesure, etc.), big insurance companies (e.g., LV= and Hastings Direct) and brokers offering wider range of cover (e.g., Goskippy and Performance Direct). Which is best for you? It depends on your situation. If you have a popular bike that hasn't been modified much, then any of them might be suitable.

Those with grey imports or significant modifications might need a specialist bike insurance provider, as they are likely to better understand what they're being asked to insure—and as a result offer a more competitive price. In contrast, bigger companies can be better for those who want all of their insurance (e.g., home, car, etc.) in one place.

Either way, if you're after a cheap quote then it's usually a good idea to use a comparison site such as our bike insurance partner QuoteZone. That will help you to compare the market for cheap motorbike insurance quotes.

Customer Complaints and Reviews for Top Motorcycle Insurance Underwriters

Most of the top motorcycle insurance companies listed above are brokers working with a panel of underwriters. Ultimately, your claims experience and pricing depend on the underwriter of your poliycy. Here are their top most common motorcycle insurance underwriters, with data on most recent FOS complaints and customer Trustscores from Trustpilot, where available. Companies are listed alphabetically.

Top Motorcycle Insurance UnderwritersFOS Complaints (2019 HY2)Customer Trustscore
Ageasless than 304.5
Avivaless than 301.6
AXAless than 303.5
ERSn/an/a
Europaless than 30n/a
Highway (LV)2574.7
KGMn/a4.4
Markerstudyless than 301.3
Novitasn/an/a
Zenithless than 303.9

Methodology

The create the list of the top 10 motorbike insurance providers in the UK, we first looked at Defaqto ratings for some of the . A company's Defaqto rating reflects the quality of the features that are included as standard on their policies. For example, all else equal a Defaqto 5 star product would be better equipped than a Defaqto 3 star policy. We only included companies that had at least one Defaqto-rated motorcycle product.

Then, we ranked companies based on their Defaqto scores, with a rank of "1" (the best) for a company with 5-star products, "2" for a company with a mix of 4 and 5-star products, "3" for a mix of 3 and 5-star products, and "4" for 3-star products.

We also ranked companies (1 being the best) based on their Trustpilot score. Trustpilot Trustscores reflect the level of customer satisfaction achieved by a company. The highest Trustscore is 5 out of 5.

Finally, we ranked companies based on the percentage of bad, 1-star reviews, where a rank of "1" was awarded for the lowest percentage of bad reviews.

We then averaged all of these three rank figures to determine an overall rank.

Companies didn't make the top ten list if they didn't have enough customer reviews—our cutoff was a minimum of 750 customer reviews—or they don't have any Defaqto-rated products.

For the price comparison chart, we compared online quotes for the companies in the list of 10 best motorcycle insurance companies. Note, LV= and Carole Nash would not provide us with quotes, so we were unable to include these in our price comparison chart.

Sources

Cheap Motorcycle Insurance Quotes in Your Area

Panel includes over two dozen UK motorcycle insurance providers.

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Note regarding savings figures: 51% of consumers could save up to £195.07 on their Motorbike Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from November 2021. The savings you could achieve are dependent on your individual circumstances.

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

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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.

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.