Compare Top 10 Motorcycle Insurance Companies UK (April 2024)

Big Market News: As of March 2024, AXA has exited the motorcycle insurance market. People with existing policies will continue to be covered until the end of their policy year, but you won't get a renewal with AXA. Read more here or get quotes from other companies here.

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.

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

Our methodology section explains how we ranked them.

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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.

Best motorcycle insurance

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.

BeMoto

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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 (4.9 out of 5 stars) and few customer complaints (also 3%), and there are now a reliable number of customer reviews to base an opinion upon (more than 5,000 at the time of writing). Some ways that BeMoto stands out are: they don’t charge broker fees for you to make changes to your policy and they "love modifications". In terms of how their products stack up for basic features, their Carbon plan will be cheaper and includes 90 days of EU travel, a 24-hour claims helpline, a motor legal advice helpline and legal expenses (you can add other extras for a fee); Titanium plan will be a bit pricier but has the same features as Carbon PLUS includes personal accident, helmet & leathers and RAC breakdown for no added charge.

Devitt

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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 4.6 out of 5 stars according to over 22,000 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, their policies offer a solid set of basic features (With their 'Evolution' product including the most features as standard).

Bennetts

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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).

Highway (LV=)

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

LV= no longer sells motorcycle insurance through its LV brand, but they do sell it through their Highway brand, via brokers. LV='s Trustpilot score is 4.4 out of 5, albeit for their range of insurance products, which is a measure of customer satisfaction. The company also reports high renewal rates, which bodes well for renewal premiums. This product might not be the cheapest in the group and probably won't be as strong for specialist or non-standard needs, but they cover classic bikes, naked bikes, sports bikes, adventure bikes and scooters up to a value of £30,000 on comprehensive cover and £8,00for third party fire and theft or third party only cover. They also cover any age of bike from modern to classic regardless of cover.

Bikesure

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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. Bikesure's Motorcycle Policy and Elite Motorcycle policy are both solid on their basic features.

Carole Nash

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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, Markerstudy, Zenith and Allianz (but no longer AXA, as AXA exited the motorcycle insurance market in March 2024).

Goskippy

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Consider this if you're happy working with a broker and want a lower rate for basic cover, but some policies are very robust in terms of features, or 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. Their comprehensive policies underwritten by Southern Rock & Watford are the best for features.

Hastings Direct

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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 solid for features, including Helmet and leathers cover and £100,000 of legal cover.

Lexham

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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.

Note about MCE

MCE has been placed into administration in July 2023. All customers’ existing policies remain in place, they will continue to have cover and are not impacted by the appointment of the Joint Administrators. But MCE will not be writing any new policies.

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.

Motorcycle insurance reviews and complaints

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 policy. 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.

Methodology

The create the list of the top 10 motorbike insurance providers in the UK, we first looked at the popularity of the product, because the more motorcyclists want a product, the better is tends to be.

We also looked at companies 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 considered the number of reviews (because more reviews = more reliability) and the percentage of bad, 1-star reviews.

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.

For popularity, we calculated the monthly search volume based on broad matches to the company name + 'motorcycle insurance'.

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

Note regarding savings figures: *51% of consumers who purchased Motorbike Insurance through this service provided by Seopa Ltd. in August 2023 were quoted less than £194.60. The price you could achieve is dependent on your individual circumstances.