Motorbike Insurance

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Motorbike Insurance
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Q: Can I insure my motorbike without a CBT?

Most insurance companies will require you to have a valid CBT certificate or a full motorcycle licence before they can provide you with insurance coverage for your motorcycle. Without these, you cannot legally ride a motorcycle on public roads.

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Overview

Whether you ride a touring bike, a cruiser, or a standard, your motorbike needs the right insurance cover.

Not only is insurance a legal obligation for anyone on public roads, but the right motorbike insurance policy will specifically cover the risks that motorcyclists face on the move.

At One Sure, we’ve found many people insurance for scooters and motorbikes, so we understand the types of policies that riders like you need. With the help of our friendly team of insurance experts, we’ll find you the coverage you need so you can focus on your trip, knowing you’ll be protected.

What does motorbike insurance cover?

You can choose from the following level of cover for your motorbike:

Third-Party Only is the minimum legal amount of cover you need. It covers the other person in the event of an accident but not your vehicle.
Third-Party, Fire & Theft that covers the above, plus damage to your motorcycle, including accidental damage from a fire, accident, an attempt of theft, and if it is stolen.
Comprehensive, which covers all of the above alongside your bike in an accident, accidental damages, and additional cover that varies depending on your insurer.

What modifications void motorbike insurance?

It’s important to inform your insurer of any modifications you plan to make to your motorcycle to ensure that your policy remains valid.

Modifications that can affect the performance or safety of your motorcycle are seen as high-risk modifications by insurers.

Some insurers may allow certain modifications if they are declared and approved in advance. While others may refuse to cover the motorcycle altogether if they consider the modifications too high-risk.

As long as you make your insurer aware of these modifications, so they can ensure your policy fits these changes or find a new one that does, you should be able to modify your bike without worry.

Can I insure my motorbike without a CBT?

Most insurance companies will require you to have a valid CBT certificate or a full motorcycle licence before they can provide you with insurance coverage for your motorcycle.

Without these, you cannot legally ride a motorcycle on public roads.

Is motorbike insurance cheaper with a full licence?

A full motorcycle licence often leads to cheaper insurance premiums than a provisional licence.

As a full licence holder, you’ll be viewed by insurers as more experienced and less likely to be involved in accidents.

If you want to learn more about how much you can save on motorbike insurance, contact us today at 0800 107 0945, and we’ll do all the hard work for you to compare policies and premiums.

Optional Extras

Legal Protection

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Breakdown

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Excess Protection

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Cover Options

Our insurers can cover you for:

Optional cover includes similar coverage when using your motorbike abroad as well as foreign breakdown cover.
Damage to third-party’s property and compensation for their injuries.
Depending on your policy, coverage to ride another person's bike.
Comprehensive policies can include replacement cover if your bike is owned from new.
Recovery cover is available under comprehensive cover.

What's not included:

Any theft, loss, or damage if your bike has not been appropriately secured.
Gradual wear and tear developed over time, or loss of value from repair or degradation.
Any resulting effects of war and terrorism.
Loss of value from repair or degradation.
Individuals driving your motorhome without a valid driving licence or those disqualified from driving.
Theft, loss or damage if your keys are still in the ignition.

The above is not a comprehensive list of all the coverage available on the same policy. It is a guide to what may be covered, depending on your policy, insurer, and circumstances.

Our team is trained and authorised to provide advisory services to help ensure a policy meets your requirements. We will take the time to understand your specific needs and thoroughly explain the coverage available via your policy and insurer – including any applicable limits and exclusions.

Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

Changes to Your Policy

If you need to change your policy, our friendly team is only a phone call away and happy to help.
Trusted Panel of Underwriters

As one of the UK's leading motor trade insurance brokers, we will find the right policy to suit your business and vehicle with the help of a handful of trusted underwriters.
Policies From Just £64** per Year

Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*
Hassle-Free Renewals

You’ll be in safe hands with our dedicated renewal team. We pride ourselves on always being up-to-date on the latest offers and best motor trade insurance rates.

*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.

Frequently Asked Questions

How to get cheap motorbike insurance?

Even though many elements, such as your driving history and location, are considered when calculating your insurance premium, there are things you can do to help reduce the cost.

You may be able to get a cheaper premium if you:

Choose a smaller engine size: Ride a motorcycle with smaller engines. For example, insurance for 125 cc motorbikes is typically cheaper to insure than for high-performance bikes.
Increase your security: Installing additional security features such as an alarm, immobiliser, or tracker can reduce the risk of theft, which may lead to lower insurance premiums.
Build up your no-claims bonus: Avoid making claims on your insurance policy whenever possible to build up your no-claims bonus, which can lead to lower premiums over time.
Consider your usage: If you only use your motorcycle for occasional weekend rides, a limited mileage policy may be cheaper than a standard policy.
Consider your storage: Storing your motorcycle in a secure garage or storage unit can help reduce the risk of theft or damage, which can lead to lower insurance premiums.

What is the cheapest style of motorbike to insure?

The cheapest style of motorcycle to insure would be a standard or commuter motorcycle with a smaller engine size.

Motorcycles with higher engine capacities, sport or racing bikes, and custom motorcycles tend to have higher insurance premiums due to their higher risk of accidents or theft.

It’s important to note that other factors, such as your age, riding experience, and claims history, can also affect your insurance rates.

Where is the best place to store a motorbike for cheaper insurance?

Storing your motorbike on the street or in an area with high crime rates can increase the risk of theft or damage, resulting in higher insurance premiums. However, the recommended place to store your motorbike would be in your garage.

If your garage is securely locked, it will provide better protection against theft and damage, reducing the risk of a successful attempt at theft. Ultimately, your location will still play a role in how much your insurance costs if you live in an area with a higher crime rate, even if your motorbike is stored in your garage.

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