Cheap motorcycle insurance UK - compare best cheap motorbike insurance quotes

It’s important to shop around for motorcycle insurance, since some companies are much more affordable than others. While no single insurance provider is the best or the cheapest for everyone, we've analyzed dozens of the best motorcycle insurance companies to arrive at a selection of stand-out bike insurance companies, based on their features and prices. Read our research to help you pick the best plan for you.

To help you decide which motorcycle insurance is best for you, we've analysed dozens of bike insurance plans from leading UK insurance providers. Choosing the best motorbike insurance for your needs will depend on factors like price points and motorcycle insurance features that you might find valuable, such as Breakdown, Personal Liability or Helmets & Leathers cover. We are not recommending any one plan in particular; please use the information in this study to help you narrow down your choices.

Note on the excess: In 2026, the average total excess (voluntary plus compulsory) for a standard motorcycle policy typically sits between £250 and £500. However, 'budget' providers like Lexham or Bennetts may still require higher compulsory excesses—often £600 to £850—to keep premiums low for high-risk machines like the Yamaha Tracer 900 or for riders in major cities like London, where the median premium remains high at £700.

Motorcycle Insurance: Who Each Provider May Suit

The providers below have been selected based on their features, specialist expertise and customer reviews. No single provider is right for everyone—use these summaries to identify which might suit your riding profile, then compare quotes before buying.

Consider Lexham If: You're a Learner, Young Rider, Commuter or Scooter Rider

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Consider this if you want competitive motorcycle cover with strong customer service, particularly for learners, young riders and commuters.

Lexham is a specialist broker that started out focused on mopeds and scooters and has grown to cover most types of motorcycle. With over 25 years of experience and its own dedicated claims handlers based in the UK, it takes a more individual approach than many comparison-site aggregators. It consistently appears at the top of price comparison results for urban riders, learners and delivery riders, and NimbleFins' own research found Lexham to be among the cheapest for 17–19 year olds specifically.

Policies are stripped back to basics to keep base premiums low—optional extras can be added as needed. Current add-on pricing (correct at time of writing): Helmet and Leathers (£42, up to £1,000 cover), Personal Accident (£54) and Breakdown cover (£60). EU cover is included as standard on most policies for up to 90 days (maximum 30 days per trip). Policies can be managed via the Lexham app or online portal.

Lexham may suit you if:

It may be less suitable if:

Consider Just Motorcycle Insurance If: You Want Solid Specialist Cover With Free EU Riding

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Consider this if you want solid cover from a specialist motorbike insurer with European riding included.

Just Motorcycle Insurance is a trading style of Carole Nash, giving it access to Carole Nash's established panel of specialist insurers and its long track record in motorcycle cover. All policies include EU riding at the same level of cover as in the UK, from 30 days up to the full policy year depending on the underwriter. Optional extras include Helmet and Leathers (~£44.99), Legal Assistance (~£33.00) and Personal Accident (~£39.98). A UK-based call centre and 24-hour claims line are available.

One thing to note: none of Just Motorcycle Insurance's panel insurers will cover track days, so riders wanting circuit cover should look elsewhere.

Just Motorcycle Insurance may suit you if:

It may be less suitable if:

Consider Devitt If: You Want Transparent Bundled Extras and Long-Standing Expertise

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Consider this if you want a long-established specialist broker with flexible, discounted add-on bundles.

Devitt has been arranging motorcycle insurance since 1936 and holds an Excellent rating on Trustpilot with over 26,000 reviews. All policies include up to 90 days EU cover as standard. Where Devitt stands out is its pack

Compare motorcycle insurance

Whether you ride a scooter, sports bike, tourer or another type of motorbike, deciding which type of cover best suits your needs and which features are most important to you are critical to choosing the best motorcycle insurance policy. The three types of motorcycle insurance are Third Party Only (TPO), Third Party, Theft and Fire (TPTF) and Comprehensive.

Third Party Only (TPO): The minimum insurance cover required by law, Third Party plans cover damage to other vehicles if your bike is involved in an accident—but there's no cover for damage to your bike.

Third Party, Fire and Theft (TPFT): TPFT plans include Third Party cover and will pay the market value of your bike if it's stolen and not recovered, or pay the cost to repair or replace your bike if it's damaged by fire.

Comprehensive: The highest level of cover, Comprehensive plans include TPFT features PLUS protection against damage to your own bike in the event of an accident—for example, payment for a replacement bike if yours is written off.

If a Comprehensive plan fits in your budget, it will generally provide the best coverage compared to TPO and TPFT plans. Despite providing the highest coverage, however, Comprehensive plans are not always the most expensive so it's always worth checking prices before deciding which type of motorcycle insurance is best for you.

Cover by Type of Motorbike Insurance

The next step to take is picking out which features are important to you. Typical features, which may be included as standard or offered for an additional premium, are:

As these features can each add £15 to £60 to the cost of motorcycle insurance, it is certainly worth considering if you'll use them or not. For instance, if you've never taken your bike touring in Europe, don't be drawn into paying extra for EU cover. Roadside Assistance, Personal Accident and Legal Assistance can perhaps create significant value added if you run into trouble and may be worth any added cost, unless you buy a policy on which they're included as standard.

How to afford motorbike insurance

Comparison shop. It’s important to shop around for motorcycle insurance, since prices can vary widely between plans. Use comparison sites to obtain the most quotes in the shortest amount of time—filling out individual forms is a laborious and time-consuming process, and you only need to fill out one form on a comparison site to get access to potentially dozens of quotes depending on your individual details. Once you have surveyed the market, it may be worth picking up the phone to a specialist broker and seeing what they can do to improve your best quote.

Freebies. Also be on the lookout for incentives that may be offered on some plans from time to time, such as free helmet and leathers cover, legal protection service, RAC roadside assistance and personal accident cover. Getting these options for free can potentially save you hundreds of pounds whilst providing better coverage for you.

Higher excess. If you're looking to pay a lower price for your insurance and are willing to contribute more towards any valid claims, then you might save hundreds of pounds by choosing a plan with a higher excess. For a 2026 Honda PCX 125, we found that premiums varied significantly based on the chosen excess. A quote from Hastings Direct was priced at £225 with a total excess of £750, whereas a more 'standard' plan with a £250 excess cost £580. This £355 difference highlights how taking on more 'self-insurance' risk through a higher excess can drastically reduce your annual cost, provided you can afford the out-of-pocket expense if you claim.

Lower level of cover. Finally, you can opt for a lower level of cover (e.g., TPFT versus Comprehensive), but before doing so be sure that you're comfortable taking on the added risk—for instance, if you opt for TPFT instead of Comprehensive you'll be financially responsible for damage to your own bike in the event of an accident. If you're only saving a few quid it is probably not worth reducing your cover in this way. For more information see our article on the factors that impact the cost of motorcycle insurance.

If you're a young person, you might want to read our articles on Cheap Motorcycle Insurance Companies for 17 to 20 Year Olds and Cheap Motorcycle Insurance Companies for 25 Year Olds.

Those looking to save money on the costs of running a motorcycle may also want to consider the fuel efficiency of a motorbike the next time they're in the market for a new bike.

Motorcycle insurance cost

While some 'classic' bike policies for low-risk riders over 50 can still be found for under £100, the absolute baseline for most standard 2026 policies now starts closer to £225.

This shift reflects three straight quarters of volatility through late 2025, with modern bikes carrying higher repair costs due to integrated sensors and electronics. But young riders, those with points or accidents, those riding bikes with big engines, and even those living in areas more prone to theft—will all need to pay more. Learn more in our in-depth piece on the cost of motorcycle insurance.

Find out how much you'll need to pay below, where you can compare cheap motorcycle insurance quotes:

Over 50s motorcycle insurance

Motorcycle insurance for riders over 50 years old is pretty similar to standard motorcycle insurance, but the good news is that motorbike insurance can be more cost-effective for older riders. Here are some reasons why:

Experience and Riding History: As shown in the motorcycle insurance cost chart above, many insurance companies offer discounts to older riders. Why? They are often more experienced and can demonstrate a longer history without accidents or claims, leading to lower premiums.

Lower Mileage: Older riders often ride their motorcycles less frequently, which can lead to lower insurance premiums (fewer miles on the road = lower odds of a road traffic accident). If you use your motorcycle as a leisure vehicle rather than a daily commute, this can reduce your risk profile.

Motorcycle Type: The type of motorcycle you ride can affect your insurance rates. Some motorcycles are considered riskier to insure than others. Cruiser bikes and touring motorcycles, which are popular among older riders, are often associated with lower insurance premiums compared to sport or high-performance bikes that are often preferred by younger riders.

Customized Coverage: This factor may increase your premium because as you get older, your insurance needs may change. For example, you might prefer to have coverage that focuses on specific needs, such as increased medical coverage in case of injury.

Discounts: Many insurance providers offer various discounts to older riders, which may include mature rider discounts, retirement discounts, and group affiliations with motorcycle clubs or organizations.

Enhanced Safety Features: Older riders may be more inclined to invest in safety equipment and features for their motorcycles. Safety features like anti-lock brakes, electronic stability control and even airbags (yes, some motorcycles have these, too!) can not only improve safety but also lead to reduced insurance premiums.

Multi-Policy Discounts: Older riders may be more likely to have other assets like a home and car. If you can bundle your insurance for all of these under one provider, you may be able to secure a discount.

Deductibles and Coverage Limits: Older riders who have more financial stability might be able to choose higher deductibles to reduce their premium costs.

Roadside Assistance: Older riders may find roadside assistance is particularly valuable, as they may be less inclined to want to perform roadside repairs themselves or deal with breakdowns (e.g. standing out in the rain roadside!).

As with any age group, it's important to shop around and compare quotes from different insurance companies to find the best coverage that suits your needs and budget. Additionally, be sure to regularly review your coverage. As you age, your insurance needs and financial situation may change so it's good to periodically review your motorcycle insurance coverage to ensure it still meets your needs and is cost-effective.

Note regarding savings figures: *51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in June 2025 were quoted less than £255.01. The price you could achieve is dependent on your individual circumstances.