Motorbike Insurance
What Is Motorbike Insurance?
Motorbike insurance is a legal requirement for every rider in the UK. Whether you are a daily commuter, a weekend cruiser, or an adventure seeker, you need valid insurance before you ride on public roads. Riding without insurance is a criminal offence that can result in a fine, penalty points, and seizure of your bike. UK Sure arranges motorbike insurance for all types of riders and bikes — from scooters and mopeds to superbikes and custom-built machines.
UK Sure specialises in cover that mainstream insurers often decline. We arrange policies for highly modified bikes, non-ABI and Chinese imports, trikes, quads, and niche motorcycles. Our panel of specialist insurers understands non-standard bikes and can provide competitive quotes where high-street providers cannot. We also cover multi-bike policies, so if you own more than one motorcycle, you can often save money with a single policy. If you ride your moped or scooter for paid food delivery — Uber Eats, Deliveroo or Just Eat — you will need fast food delivery insurance with hire and reward use, not a standard motorbike policy.
Choose from comprehensive, third-party fire and theft, or third-party only cover. Add optional extras like helmet and gear protection, breakdown assistance, legal expenses cover, and European travel. Our UK-based team is available on 01323 416706 to help you find the right policy at the right price.
Why Our Motorbike Insurance
What's NOT Covered
Key Features of Our Motorbike Insurance
UK Sure arranges motorbike insurance for riders that mainstream providers often decline. Whether you ride a highly modified superbike, a Chinese import, a classic motorcycle, or a trike — our panel of specialist insurers provides competitive cover tailored to your bike.
Specialist & Non-Standard Bikes
We cover modified bikes, non-ABI imports, Chinese motorcycles, trikes, quads, and custom builds that high-street insurers refuse.
Multi-Bike Savings
Own more than one motorcycle? Multi-bike policies cover all your bikes under one policy, often at a significant discount.
UK Sure is an FCA-regulated broker with specialist motorbike insurance expertise. We work with insurers who understand non-standard bikes and can provide competitive cover for riders of all experience levels — from learners on their first 125cc to experienced riders on high-performance machines.
Frequently asked questions
1. What types of motorbike insurance are available?
There are three main levels. Third-party only covers injury to others and damage to their property — it is the minimum legal requirement. Third-party fire and theft adds protection if your bike is stolen or damaged by fire. Comprehensive covers all of the above plus accidental damage, vandalism, and damage to your own bike. UK Sure compares all three levels from specialist insurers to find you the best deal.
2. Do you cover modified motorbikes?
Yes. UK Sure specialises in cover for modified motorcycles, including highly modified bikes, custom builds, non-ABI listed bikes, Chinese imports, and chassis number registrations. All modifications must be declared — undeclared modifications can invalidate your policy. Call us on 01323 416706 and we will find a specialist insurer for your bike.
3. Can I insure multiple motorbikes on one policy?
Yes. Multi-bike insurance covers two or more motorcycles under a single policy, which is often cheaper than insuring each bike separately. This is ideal if you own a commuter bike and a weekend machine, or a collection of classic motorcycles. We can also mirror your no claims bonus across bikes in some cases.
4. Does motorbike insurance cover riding in Europe?
Many comprehensive policies include European cover for up to 30 to 90 days, depending on the insurer. If you plan longer trips or travel outside EU countries, speak to our team on 01323 416706 and we will arrange extended European cover or a standalone travel policy for your bike.
5. How can I reduce my motorbike insurance premium?
There are several ways to lower your costs. Increase your voluntary excess, fit approved security devices like disc locks and alarms, keep your bike in a locked garage, limit your annual mileage, take an advanced riding course, and join a motorcycle owners club — some insurers offer up to 15% discount for club membership.
6. What factors affect my motorbike insurance premium?
Key factors include your age, riding experience, the type and engine size of your bike, where you live and where the bike is kept, your claims and convictions history, annual mileage, and how you use the bike (pleasure, commuting, or business). UK Sure compares quotes from specialist insurers to find the most competitive rate for your profile.