Compare motorbike insurance quotes from 25+ trusted UK providers. All cover types for all bike types.
Compare motorbike insurance from 25+ trusted UK providers.
All cover types for all bike types.
You could pay less than £255.*
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Motorbike insurance costs vary widely depending on the type of bike you ride, your experience, and where you live. Comprehensive cover for a 125cc bike starts from around £405, while high-performance sports bikes can cost well over £1,000.
£405+
Comprehensive insurance from this price for a 125cc bike
25+
UK providers compared via Brumble
1.47m
Licensed motorcycles on UK roads
NimbleFins, Average Cost of Motorcycle Insurance UK, 2026 (30-year-old rider, 5 years NCB, comprehensive cover, 3,000 miles per year). Department for Transport, Vehicle Licensing Statistics.
Engine size is one of the biggest factors. NimbleFins found that comprehensive cover for a 125cc Honda PCX starts from around £405, rising to around £459 for a 900cc Yamaha Tracer and £713 for a 1200cc BMW R1200 GS. Where you live matters too. Riders in London and other urban areas typically pay more than those in rural locations due to higher theft rates.
There are three main levels of motorbike insurance in the UK. Understanding the difference helps you choose the right level of cover for your bike and budget.
The highest level of motorbike insurance. Covers accidental damage to your own bike, theft, fire, and third party claims. Often the most cost-effective option, as insurers view comprehensive riders as lower risk. Recommended for most bikes worth more than a few hundred pounds.
Covers damage and injury you cause to others, plus protection if your motorbike is stolen or damaged by fire. A popular mid-tier option for older or lower-value bikes where the cost of comprehensive cover may not be justified.
The legal minimum required to ride in the UK. Covers injury and damage you cause to other people and their property, but provides no cover for your own bike. Not always the cheapest option, so always compare quotes for all three levels.
There are several practical steps that can reduce what you pay for motorbike insurance.
Insurers price risk differently, so the same rider can be quoted very different amounts. Always compare before you buy or renew — your current insurer is rarely the cheapest.
Performance upgrades, custom exhausts, and cosmetic changes all need to be declared and can increase your premium. If you do modify your bike, always tell your insurer — failing to declare changes can invalidate your policy.
Fitting approved locks, chains, ground anchors, or a GPS tracker signals to insurers that your bike is less likely to be stolen. Keeping your bike in a locked garage also helps.
Engine size, power output, and the insurance group your bike sits in all affect your premium. Smaller, lower-power bikes are generally cheaper to insure. If you are buying a first bike, compare insurance costs before you commit.
Parking on the street — especially overnight in an urban area — is a red flag for insurers. A locked garage or secure storage facility can meaningfully reduce your quoted premium.
Completing a recognised course such as IAM RoadSmart or a BikeSafe workshop demonstrates safer riding habits and can qualify you for a discount with many insurers.
Paying your premium upfront in one annual payment is almost always cheaper than monthly instalments, which typically include interest. If you can afford it, paying annually is an easy saving.
The type of motorbike you ride has a big impact on what you pay. Here is a rough guide to typical premiums by category.
| Bike Type | Examples | Typical Annual Premium |
|---|---|---|
| Moped / Scooter (50cc) | Honda Vision, Vespa Primavera | £300 - £500 |
| Commuter (125cc) | Honda CB125F, Yamaha MT-125 | £400 - £700 |
| Naked / Streetfighter | Yamaha MT-07, KTM Duke 390 | £450 - £800 |
| Adventure / Touring | BMW GS, Triumph Tiger | £500 - £900 |
| Sports Bike | Yamaha R6, Kawasaki ZX-6R | £600 - £1,500+ |
| Classic / Vintage | Triumph Bonneville, BSA | £250 - £600 |
| Cruiser | Harley-Davidson, Indian Scout | £400 - £900 |
Indicative premiums based on NimbleFins analysis of UK motorcycle insurance quotes via Quotezone, 2026. Profile: 30-year-old male, 5 years NCB, full UK licence, comprehensive cover, 3,000 miles per year. Your quote will depend on your individual circumstances.
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Everything you need to know about motorbike insurance in the UK.
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