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Third-party motorbike insurance is the minimum legal requirement for motorcycle owners – here’s how to get a cheaper quote
When you take out motorbike insurance you’ll be able to choose from three levels of cover.
1. Third-party only
2. Third-party, fire and theft
Third-party cover is the minimum legal requirement for all types of auto insurance, however it offers the least coverage and often isn’t the cheapest available policy.
Third-party cover is the least inclusive type of policy, and in recent years it has become the most expensive. It’s therefore a better idea to look at more comprehensive cover – this is why comparing quotes can be so important.
You’ll be able to find the right policy at the right price, so you know you’ll be covered for everything you need.
With a third-party motorbike policy you’ll only be covered for damage you do to someone else (in this case you’re the ‘first party’, and your insurer is the ‘second party’), their vehicle or their property. You won’t be covered for the cost of any damage done to your own motorbike.
If you take out third-party insurance you’ll usually still be able to add extra policies, which can be useful in filling any gaps in the cover you need. For example, you’ll be able to choose from:
Third-party only motorbike insurance is the most expensive policy type available, and in June 2019 you would’ve paid an average of £1,194 for this cover. If you’d chosen another level of cover, you would’ve saved:
Data collected by Vast Visibility from January to June 2019, accurate as of July 2019 In recent years third-party only cover has become the most expensive option. This is because historically, when it was the cheapest, it was usually the policy of choice for younger drivers who wanted to cut their premiums. Younger drivers are statistically more likely to be involved in road accidents, and eventually insurers spotted the link between higher claim numbers and third-party policies. As a result, third-party cover became more expensive. It’s therefore a better idea to look at fully comprehensive policies, which offer more cover usually at a lower price. The cost of a third-party only motorbike insurance policy will depend on a number of factors, including: * Data collected by Vast Visibility from January to June 2019, accurate as of July 2019 Data collected by Vast Visibility from January to June 2019, accurate as of July 2019 If you’re looking for motorbike insurance, comparing policies with MoneySuperMarket and our preferred partner, Vast Visibility, is the easiest way to find a cheaper deal. Just tell us about yourself, your driving history and the motorbike you want to insure, and we’ll put together a list of quotes tailored to your requirements. You’ll be able to compare deals by the overall monthly and annual cost, the level of cover you’ll get and the excess fee you’ll have to pay to claim. Once you’ve found the right deal, just click through to the provider’s website to finalise your purchase. Bear in mind that price isn’t everything – cheaper policies usually come with lower levels of cover, so it’s recommended that you aim for a balance between cost and cover. This way you’ll find the policy that’s right for you, and you’ll avoid overpaying or underinsuring yourself.Why is third-party cover more expensive than fully comprehensive?
What else affects the cost of third-party cover?
Compare motorbike insurance quotes
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