The Bike Insurer

The Bike Insurer: motorbike insurance comparison in the UK

The Bike Insurer is a British price comparison service specialising in insurance for motorbikes, scooters and mopeds. The platform provides instant quotes from a panel of 46 insurers and, according to its own presentation, has helped UK riders save on their insurance since 2006. The site also offers the option to request quotes over the phone through an associated insurer.

Types of insurance and cover

The comparison service works with the three standard types of motorbike insurance in the UK:

• Third-party only (TPO): the minimum legal cover, which covers damage or injury caused to third parties and their property, but not to your own vehicle or the rider. It does not include theft or fire.
• Third-party, fire and theft (TPFT): adds protection against theft or fire damage to your motorbike to the third-party cover.
• Comprehensive: includes the above and also covers damage to or destruction of your own motorbike in an accident.

Most available policies accept optional extensions, such as personal accident cover, legal protection, pillion cover and other adaptations according to the policyholder's needs.

Specific services by vehicle type

In addition to general comparison, the site organises its offering into specific categories: trike insurance, multi bike insurance, scooter and moped insurance, and temporary motorbike insurance. It also publishes insurance guides, news, riding advice and motorbike manufacturer reviews.

How the comparison works

The process is described in three steps: the user provides their personal details and those of the vehicle they want to insure; the platform returns instant quotes from its panel of insurers; and the user chooses the policy they want and buys it. The comparison is presented by ordering offers from lowest to highest price based on the standard premium, without add-ons, and without favouring any particular insurer. Quotes can be obtained online or over the phone.

Factors that affect the cost of insurance

The cost of the policy depends on various variables that the comparison service details:

• Annual mileage: lower mileage usually reduces the premium, although declaring a lower figure than actual could cause problems in the event of a claim.
• Engine size: smaller, less powerful motorbikes tend to be cheaper to insure than larger, more powerful ones.
• Security: alarms, GPS trackers and keeping the bike in a garage or secure compound can reduce the policy cost.
• Job: couriers and delivery riders who use their motorbike daily usually pay higher premiums.
• Claims history: a clean history allows you to accumulate no-claims discounts (NCD).
• Age: younger riders usually face higher premiums due to their lower experience.

Tips to reduce your premium

The site collects several recommendations to pay less: compare quotes instead of renewing with the same insurer, pay the policy annually to avoid interest, accumulate claim-free years, reduce annual mileage, increase your voluntary excess, avoid modifications to the bike, improve vehicle security, store it in a secure place and cut out unnecessary add-ons.

Market data and ratings

According to published information, in 2023 there were more than 1.3 million motorcycles on UK roads. The comparison service states that 10% of customers who purchased their insurance through its services paid £70 or less between 1 April and 30 June 2026. As for ratings, the site claims a score of 4.7 on Reviews.io and that 96% of reviewers recommend it.