As a UK-based specialist motorcycle insurance broker with over 90 years of experience, Bennetts compares prices from our panel of Britain’s biggest motorbike insurance underwriters. We work hard to get the most suitable quote for what you ride, and how you ride it.
Bennetts was the first bike insurance broker to offer an online quote and buy service with the goal to make the quote experience as simple as possible to get you the cover you need.
What is motorbike insurance?
We strive to offer you the most suitable motorcycle insurance quote by working with some of the most trusted insurance underwriters, which means competitively-priced policies and the high levels of customer service that you should expect.
Your bike insurance is tailored to your needs and your bike type, from a 50cc scooter or moped to adventure bikes, sports bikes, street machines and cruisers, with additional cover options available for breakdown, kit, personal and legal protection. Our multibike insurance policies can provide the cover you need from a collection of café racers to hyper sports; visit our Bike Types and Bike Manufacturers pages for more details of all the motorcycles we can cover.
Why choose Bennetts?
As a specialistmotorcycle insurance broker, we compare motorcycle insurance prices from our panel of the UK’s biggest insurance underwriters to get you our best price for the cover you need.We use trusted names and our mix of insurers has been selected to provide a breadth of experience, bike market knowledge, available products, customer service levels and competitive pricing.
We were the first bike insurance broker to offer a quote and buy online service, so we have all the experience required to make the process as simple as possible.
When you compare bike insurance, makes sure you receive all of these benefits…
- Enjoy a range of essential savings for bikers, with a BikeSocial membership*
- The most common modifications covered as standard
- Specialist insurance cover tailored to your needs and budget
- Five-star product (as rated byDefaqto)
- UK-based call centre
- 90-day EU cover is included as standard
Still unsure? Take a look at our Why Bennetts page for more.
* A BikeSocial membership is only free for customers who buy motorcycle insurance directly from Bennetts.
Motorcycle insurance quote
The cost of motorbike insurance depends on a number of details about your motorcycle and you. A bike with a powerful engine will generally command a higher premium. Nevertheless, your motorbike insurance quote doesn’t need to be expensive as there are other factors that could bring down the cost of your insurance premium.
You could lower your motorcycle insurance quote by keeping it in a secure garage or locked-up when it’s not being used. Also, being accurate with your mileage could help to reduce your premium.
You’ll also be rewarded for riding safely; a clean licence and a good riding record could reduce what you pay now and in the future.
Get cheaper motorcycle insurance by following these simple steps.
What kind of motorcycle insurance do I need?
The type of motorcycle insurance you need depends on the level of cover you want. We offer three levels of insurance:
Fully Comprehensive
The most extensive type of cover; fully comprehensive motorcycle insurance provides peace of mind for almost every eventuality. The major difference to third party cover is that you can claim for damages or losses to your own vehicle as well as others, regardless of whether it’s your fault or not.
Third Party Only
The most basic (and usually cheapest) level of motorbike insurance is third party only, which, as you would expect, provides the most limited but essential cover. If you are involved in an accident and another person is injured or their vehicle or property is damaged, then you will be liable for the costs incurred to compensate for their losses.
Third Party, Fire and Theft
The next level of cover up is third party fire and theft, which takes the basic cover of third party only and includes an extra layer of cover should your motorbike be stolen; or if it is damaged while being attempted to be stolen or catches fire.
How much will my motorbike insurance cost?
The cost of motorbike insurance can vary due to several factors. When we calculate the cost of your quote, we're assessing the risk of insuring you as a rider, looking at how likely you are to claim and how expensive it would be to pay out if you did make a claim. We consider your riding history and the size and capacity of your bike, as well as your age and where you live, among other factors.
Scooter and mopeds
In the current economic climate,scootersandmopedsare becoming even more popular. In fact, these two categories make up almost half of the UK’s riding population! Their reliable qualities and low running costs mean we can find you a great quote that's suited to these smaller capacity bikes.
Sports and superbikes
At the other end of the spectrum,Superbike ridersalso remain a significant proportion of the UK’s biking population with a huge love for racereplica machines. Because of the high performance of these bikes, premiums for this category can sometimes be more expensive.
Cruisers
For those who enjoy long distance riding and choose comfort over aerodynamics, our insurance will be right up your street. If you’ve investedyour time and money into one of these amazing cruisers, you’ll want to make sure you have a quality insurance policy to match.
Classic bikes
If you'rea true classic bike enthusiast and own a dream bike from a classic era, we have good news for you. Bennetts can provideinsurance for classic bikes, that covers a large number of vintage biking brands,as well as modern classics, such as the Ducati 916 and Honda SP-1.
Multi bike policies
Bennetts will cover up to four bikes on one Multi bike policy - ideal for those who like to vary their biking by keeping a selection of machines in their garage. If you have more than four bikes to insure give our advisors a call and they will see if we can accommodate your needs.
Extra Cover
OurLegalExpenses Covercan help protect you in the event of an accident that isn't your fault. From just £29.99 per annum, the cover provides up to £100,000 towards redeeming any expenses you incur throughout the claim. We also offerPersonal Accident Cover,which could provide a one-off cash payment in the event of a more serious accident, along with ourMotorcycle Helmet and Leathers Coverwhich protects your gear against any damage caused. You can also chooseRAC Breakdown coverto provide roadside rescue when you need it. The Additional Cover Options are provided by a number of insurers who all meet our high standards of quality and service.
Motorcycle Insurance FAQ Back to top
Do I need motorcycle insurance?
Yes. To ride your motorcycle on UK roads, you need to be insured. If you're involved in an accident, damage another vehicle or injure someone, having insurance will protect you from liability, and if your bike is stolen or vandalised, insurance can provide compensation. If you don't have motorcycle insurance, you risk a range of penalties such as a £300 fine, six penalty points, or being disqualified from riding your bike altogether.
How much does motorbike insurance cost?
The cost of motorbike insurance can vary due to several factors. When we calculate the cost of your quote, we're assessing the risk of insuring you as a rider, looking at how likely you are to claim and how expensive it would be to pay out if you did make a claim. We consider your riding history and the size and capacity of your bike, as well as your age and where you live, among other factors.
Am I covered to ride abroad?
Your motorcycle insurance policy will automatically allow you to ride within Europe and any other country which has agreed to follow the EU Motor Insurance Directive (number 2009/103/EC), for up to 90 days in any period of insurance. If you want to ride abroad for more than 90 days in a year, then give us a call on 0344 412 2171 so we can look to arrange this for you.
Can I carry passengers with my motorcycle insurance?
Yes. Passengers would be covered while riding on and getting onto and off your bike and riding in or getting into and out of your sidecar.
Can I ride another bike on my insurance?
This benefit will be stated on your bike insurance schedule and insurance certificate. Subject to age conditions and occupation and for most types of bikes, your insurance will cover you to ride other bikes. It is best to check this when you take out the policy.
Can more than one person be on my insurance policy?
Yes. You can add another person to your policy as a named rider. As a named rider, they'll enjoy the same level of cover as you on your bike; however, be advised that if they make a claim, your No Claims Discount will be affected.
Do you quote for bikes with modifications?
Yes. We have a list of 17 modifications that Bennetts accept as standard. These include: Disability Adapted, Air Filter Changes, Bar Ends, Braided Hoses, Decals / Stickers (Unless Race Replica), Grippers, Heated Grips, Huggers, Lights / Indicators / Mirrors, Scott Oilers, Screen Changes, Seat Replacement / Changes, Seat Cowl / Single Seat Units, Sissy Bars (Long Backrest), Tail Tidy, Tank Pads, and Road Legal Aftermarket Exhausts.We can still quote for certain modifications that are not covered as standard, and it is important that you declare all modifications, so they are covered under the policy.
How does Bennetts work out their quote for me
We’ll search for the lowest quote from our panel of the top insurers. Our panel are all leading insurers and are quality checked by Bennetts.
What kind of motorcycle insurance do I need?
The type of motorcycle insurance you need depends on the level of cover you want. We offer three levels of insurance: Third Party Only, Third Party Fire and Theft and Fully Comprehensive insurance.
