How to get the best motorcycle insurance deal in the UK

Here at, we're dabbling with the idea of our first motorcycle, but insurance premiums can be a real barrier to entry for new bikers. Using price comparison websites, we've examined the main factors that will affect your premium and how to keep costs to a minimum.

So, you've passed your CBT and have been riding a 125 for a while, but you're bored of all that and now it's time to upgrade to your first proper bike. We're in the same boat, and here are a couple of options we considered for this insurance experiment. All naked bikes, all good commuters, and they all look pretty good (a major consideration for us!):

  • Honda CB600F Hornet
  • Yamaha XJ6
  • Honda CB500F
  • KTM Duke 390
  • KTM Duke 690

Remember that insurance companies play with statistics, so sometimes strange choices can make a massive difference to the amount you'll pay for your premium. An example is your choise of bike - a KTM Duke 390 (a mad looking bike) has a much higher premium than a very sensible Honda CB500F (with almost identical power). This is almost certainly due to the fact that Honda owners are a more sensible bunch and statistically a safer bet.

Your choice of bike

Make, insurance category Very important - some bikes are more desirable to thieves, and some are more desirable to braver riders
Value Moderately important, but adding ?1000 to the value doesn't tend to increase the premium as dramatically as the choice of bike

Your experience

Years licence held Very important - experience is a great way of reducing your tendency to get into an accident
No claims discount Very important - indicates your risk to the insurer

Where your bike is kept

Post code Very important - crime hotspots are very localised, sometimes a small change to postcode makes a good difference to your premium

Locked compound

Minor - this is roughly the same as keeping on a public road

Public road



Very important - in the eyes of the insurance companies, this is the most important storage based decision you can make
Private property Minor

Security devices

Immobiliser, alarm Important
Locks, chains, disc locks etc Minor importance to insurance premium, but useful to prevent a claim


To get the best insurance premium:

  • Pick a sensible bike at first and don't modify it from factory specification (unless adding security features)
  • Choose a bike with an immobiliser
  • Concentrate in getting few years experience and no claims discount under your belt
  • Store the bike in a garage

To prevent your bike being stolen:

  • Keep it somewhere sensible and hard to access
  • Use an expensive chain, attach it to something solid, and put it through the chassis (not the wheels). The easiest method of nicking a bike is to lift it into a van.
  • Fit an alarm



Get there dry!

Website of the month:

Especially useful for motorcyclists and road trippers - plan your route, get a weather forecast at various points, then adjust your departure time to avoid the rain - genius!

Click here to visit