Confused about motorbike insurance? Then you stand to gain from our services. At the end of the day, insurance companies want to make a profit as they wouldn’t survive otherwise and one way of doing this is to persuade their clients to pay for a more expensive policy than they really need. Let us do the work of obtaining quotes for you and we will provide you with the cheapest online bike insurance quotes available on the market.

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Contact us for advice before deciding on the motorbike insurance policy that best suits your needs. Our teams of experts have specialist knowledge of all types of bike and the types of policy appropriate to your needs.

By law, all motorbike riders must have the basic minimum cover given by a third party motorbike insurance policy. This means that you will be covered for damage to other road users or their vehicles in the event of an accident for which you are to blame. A third party fire and theft motorbike insurance policy will give you added cover, protecting you should your bike be stolen, but will be more expensive. A fully comprehensive motorbike insurance policy will give you even more cover, protecting you in the event of an accident in which no party was to blame. It also covers you for damage to your own bike in the case of an accident where you are to blame.

There are further types of cover for motorbike insurance, which some insurers may include in their fully comprehensive policy. Breakdown cover will cover your bike if it breaks down while you are on the road or if it needs repairs. It can apply to the UK only or to Europe and may include provision should your bike have a breakdown while at home and not simply on the road. Legal expenses cover will cover you for a certain amount of legal costs should you need to claim compensation from other motorists or should you face legal action yourself from other motorists following an accident. A fully comprehensive motorbike insurance policy will give you a certain amount of legal expenses cover but raising the level of cover will obviously add to the total cost of your motorbike insurance.

Remember that the total cost of your motorbike insurance will depend on several other factors beside the type of policy you want. Your motorbike insurance will depend on the type of bike you own, the kind of use it gets, the measures you take to protect it from theft, the area where you live, whether you have previous claims or convictions, who else will be riding the bike and also the amount of excess. Even with a fully comprehensive motorbike insurance, you will have to pay a certain amount of any bills for repairs or replacements yourself (this is the excess), so if the value of your bike is worth not a great deal more than the potential excess you would have to pay, it’s probably better to take out the basic third party motorbike insurance.