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Fully comprehensive motorbike insurance

Compare comprehensive motorbike insurance quotes

Jake Edmonds
Written by  Jake Edmonds
5 min read
Updated: 27 Feb 2024

Fully comprehensive motorbike insurance is the highest level of cover available. Read more to understand what it covers and whether it’s right option for you.

Riding a motorbike can be an exhilarating experience, but it's important to ensure you have the right insurance coverage before you hit the road.

In the UK, motorbike insurance is a legal requirement, and there are various levels of cover to consider. Let's explore the options and find out how to get the best deal for your two-wheeled travels.

Understanding the levels of motorbike cover

Motorbike insurance is not a one-size-fits-all affair. There are three main levels of insurance cover that cater to different needs and budgets:

  • Third-party: This is the minimum level of insurance required by law. It covers damage to third parties, their vehicles, or property in the event of an accident that is deemed your fault.

  • Third-party, fire, and theft: This level of cover includes everything in third-party insurance, with the added protection against your motorbike being stolen or damaged by fire.

  • Fully comprehensive: This is the highest level of cover available. It includes all the benefits of the previous levels and also covers damage to your own motorbike and injuries, regardless of who is at fault.

Photo of several motorcyclists in a field viewing the sunset

Do you need fully comprehensive motorbike insurance?

While third-party insurance might seem like the economical choice, it's often the most expensive option with the least coverage.

Surprisingly, fully comprehensive policies can be more affordable and provide more extensive protection.

This is because third-party cover is frequently chosen by high-risk drivers, which has led to higher claim rates and, consequently, higher premiums for this type of cover.

What's included in fully comprehensive motorbike insurance?

A fully comprehensive policy is the most protective cover you can get for your motorbike. It typically includes:

  • Damage to third parties, their vehicles, or property

  • Coverage for your own motorbike, even if the accident was your fault

  • Cover for injuries you may sustain in an accident

Added extras for peace of mind

When opting for a fully comprehensive policy, you can also include a range of extras to tailor your coverage to your needs:

  • Legal cover: This can help with legal costs if you're not at fault in an accident

  • Personal accident cover: Provides a payout for certain injuries or in the event of death

  • Pillion cover: Essential if you plan on carrying passengers

  • Breakdown cover: Offers assistance if your motorbike breaks down while you're on the road

  • European cover: For those adventures across the continent

  • Leathers and helmet cover: Protects your gear if it's lost, damaged, or stolen

  • Key cover: For those moments when your keys go missing

Factors influencing the cost of fully comprehensive cover

The premiums for fully comprehensive motorbike insurance are generally higher than for third-party policies, but they are influenced by a variety of factors:

  • Your age: Insurers generally see inexperienced or young drivers as bigger claim risks, often resulting in higher premiums

  • Your motorcycle: High-powered bikes are thrilling but can cost more to insure

  • Your driving history: A clean record could mean lower premiums, while a history of convictions or high mileage could increase them

  • Your claims history: A no-claim history can reduce costs, whereas previous claims can bump them up

  • Your security and storage: Keeping your bike in a secure location can lower insurance costs

  • Your excess fee: Opting for a higher voluntary excess can reduce your premium

  • Your payment method: Paying your premium annually can be more cost-effective than monthly instalments

  • Your location: Living in a high-crime area may lead to higher premiums

Is fully comprehensive cover the cheaper option?

Despite the higher level of protection it offers, fully comprehensive cover can often be the more economical choice. This is due to the association of third-party policies with high-risk drivers, which has inflated the cost of these plans.

Making your motorbike insurance more affordable

There are several ways to potentially lower the cost of your fully comprehensive motorbike insurance:

  • Reduce your annual mileage

  • Build up a no-claim bonus

  • Invest in additional security measures for your motorbike

Remember, insurance prices are tailored to individual needs and circumstances, so what works for one rider may not work for another.

Comparing motorbike insurance to car and van Insurance

The cost of your insurance policy depends on a wide range of factors. However, usually, motorbike cover does cost more to insure than car insurance or van insurance. Motorbikes can be seen as riskier to drive, which may contribute to the higher insurance costs.

Riding other motorcycles on your policy

Some fully comprehensive motorbike insurance policies may allow you to ride other bikes, but it's crucial to check the terms and conditions of your policy. For those with multiple motorcycles, multi-bike insurance could be a viable option.

Compare motorcycle insurance quotes with MoneySuperMarket

When it's time to hit the open road, make sure you're doing so with the right coverage. MoneySuperMarket is here to help you compare motorcycle insurance quotes, allowing you to find tailored options that strike the perfect balance between cost and coverage.

Remember, the cheapest policy isn't always the best—consider the level of protection as well as the price.

As you gear up for your next ride, take a moment to review your motorbike insurance. With the right policy in place, you can enjoy the freedom of the road with peace of mind, knowing you're well-protected against the unexpected.

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