Bike Insurance Quote Comparison Made Easy & You could pay less than £190

MoneyMegaMarket adheres to making your insurance journey seamless, so you enable yourself to concentrate on what you love – riding your bike!

3 Stages of Bike Insurance


When it comes to bike insurance, the bare minimum of acceptance required by law is third-party auto insurance. If you are at blame for an accident, this kind of insurance will pay for damages to other cars and property. This fundamental third-party insurance policy does not provide coverage for repairs or replacement if your motorcycle is damaged, stolen, or involved in an accident. For extensive protection, considering additional coverage options customized for bike insurance is essential.

Third-party fire and theft

The same level of coverage as third-party insurance is provided by third-party, fire, and theft, which also protects from the expense of repairs or replacement if your motorcycle is stolen or burned down.


One of the highest levels of protection is offered by comprehensive auto insurance companies. It offers coverage for damage to your motorcycle in addition to other individuals and their property in the event of an accident.

Consider these helpful suggestions if you want
to lower the cost of your bike insurance quotes

The cost of your car insurance quotes and insurance coverage are significantly affected by the risk evaluation made by insurance companies when assessing your risk level and the potential that you would file a claim. They consider a variety of factors, including:

Compare policies

Shop around and evaluate motorbike insurance quotes to find possible savings in just minutes. The procedure goes even more quickly if you’ve previously compared motorcycle insurance quotes with us.

Improve security measures

Increase the stability of your bike by parking it in a secure area such as a garage or a tracked car park, and utilize additional safety devices.

Avoid modifications

Don’t alter your bike because doing so will likely increase your insurance costs.

Reduce annual mileage

Since more miles often result in greater prices, reducing your annual mileage can help you save money on insurance rates.

Bikes with less powerful engines

Choosing a motorcycle with a less powerful engine can help you get insurance at a lower cost because larger engines are frequently linked to more expensive claims.
To cut insurance costs, think about increasing your voluntary excess, but make sure you have the money to cover it in the event of a claim. Examine your policy and remove any extras or add-ons that are not necessary, only paying for the necessary coverage. For instance, you might not need pillion cover if you don’t transport passengers. A mass no-claims bonus to progressively lower your insurance costs. Your motorcycle insurance policy will normally be discounted after each year without a claim.

Bike Insurance Extras

While basic bike insurance typically provides coverage for your bike and other drivers on the road, it’s important to think about supplemental insurance to meet your unique demands. The following are some optional extras that you can add to your policy:

Pillion cover

This protects in cases where you transport people on the back of your motorcycle or moped.

Helmet and leathers cover

Protects your motorcycle clothes from harm in the case of an accident.

Legal costs

Provides aid with related expenditures after an accident.

Bike breakdown cover

Roadside help is offered in the event of a breakdown with motorcycle breakdown insurance.

Sidecar insurance

Provides coverage for your sidecar; if it was custom-made, further coverage may be required. It's critical to inquire about the scope of coverage from your insurance provider.

European/international coverage

Permits you to ride your bike internationally; coverage levels vary between insurers.

Key cover

Provides defense against the misplacing and replacement of your motorcycle's keys.

Personal accident insurance

Designed to protect you and your loved ones in the event of a serious accident-related injury or death.

By taking into account these extras, you can customize your motorcycle insurance coverage to best meet your needs and assure complete protection.

Why do you need to get a bike insurance quote?

Getting a bike insurance quote is an easy and quick process. We only need a few basic details regarding your bike, like:

Motorcycle Information

  • The motorcycle’s manufacture and model, or the registration
  • The year that your motorcycle was made
  • Your bike’s estimated market value.
  • Have any changes been made to your bike?
  • Motorcycle security equipment.
  • Details about the security equipment that has been installed on your motorcycle.


Give us a few basic facts about yourself, and we’ll do the rest to find the ideal cover for you at the most affordable price.

Rider information

  • Your sort of motorcycle license and how long you’ve had it.
  • How you intend to use your bike.
  • Calculated annual mileage.
  • Details about any prior allegations or convictions.
  • Information on any extra riders.
  • If you need any policy extensions.


With the help of this information, we will rigorously search for the perfect insurance option that meets your requirements and provides complete coverage for both you and your motorcycle. 

Customizing Bike Insurance Quotes to Suit Your Needs


The proper class of use must be chosen during the quoting process to receive an affordable bike insurance quote. Regarding how, when, and where you ride your bike, being truthful is essential. Failure to do so could result in fines, the cancellation of your insurance, and possible license points. Compare quotes today and secure the perfect coverage for your bike! 

Bike insurance can be used in four different ways

  • (SDP or SD&P) Social, domestic, and recreational
  • Social activities, including travel (SDPC or SDP inc. C)
  • Class 1 commercial usage
  • Insurance for delivery, dispatch, and courier

Compare bike insurance quotes to ensure that your coverage is up-to-date and precisely tailored to your requirements. By accurately selecting the most suitable class of usage for your riding activities, you can ride with confidence, knowing that you have the right insurance in place to protect you and your bike. Taking the time to compare bike insurance policies can help you find the best coverage at the right price, giving you peace of mind whenever you hit the road.

Bike insurance classes of use

For riders who only use their motorcycles for social activities, such as leisurely bank holiday ride-outs or motorcycle tests, the Social, Domestic, and Pleasure (SDP or SD&P) class is appropriate. SDP riders typically only travel a few thousand miles a year, and their MOT certificate will reveal this information. The Social and Commuting (SDPC or SDP Inc. C) class applies to persons who ride motorbikes to and from a single place of employment. It is required for any motorcycle used for commuting, although occasionally being referred to as a “scooter-commuter” cover. Be aware that SDPC only covers travel to and from one workplace. You could need Class 1 business insurance if your job requires you to travel to several areas. However, choosing social and commuting coverage is still suitable if you ride your bike to the bus or train station and continue your commute using public transportation. Beyond the typical commute from home to work, motorcyclists who travel to diverse locations for business purposes are protected under class 1 commercial use. Don’t risk being underinsured! Compare bike insurance quotes now and ensure you find the most suitable deal for your unique needs. Act today and ride worry-free! 
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Find the best bike insurance quotes with us

MoneyMegaMarket is aware of the challenges that come with buying bike insurance. We offer access to a service where you can seamlessly compare bike insurance rates from multiple suppliers all in one place. This effective method can help you find the best coverage at the lowest prices while also saving you time.”


It is a policy designed to protect your motorcycle or scooter against damage, theft, and other liabilities. It is important to have bike insurance as it provides financial protection against unforeseen events such as accidents, theft, and natural disasters.

The coverage options available with bike insurance can vary depending on the policy and insurance provider. Some common coverage options include third-party liability, collision coverage, theft coverage, personal accident cover, and damage cover.

Yes, you can insure an old bike, as long as it is in a roadworthy condition and is not older than 15 years. The coverage options available for old bikes may be limited and may have a higher premium.

You can add a co-rider to your bike insurance policy. A co-rider is a person who rides the bike along with you and is covered under the policy in case of an accident or injury. The coverage options for a co-rider may vary depending on the policy and insurance provider.