Decoding Your Motorbike Insurance Quote

Decoding Your Motorbike Insurance Quote: What Really Affects The Price?

As a motorbike owner, having insurance in place is vital. Although nobody relishes paying for insurance, it is useful to know what factors affect the cost of a motorbike insurance quote, so you can take steps to reduce it as much as possible. In this guide, we'll be taking an in-depth look at the main factors that affect the cost of motorbike insurance, including age, bike type and location among other things.

Susan Difford

Insurance Expert & Co-founder of Clean Green Cars

Updated 24 April 2025 2 Min Read

It’s impossible to give an exact price since it will vary a lot depending on the factors mentioned above as well as the total value of the motorbike. It’s always recommended that you get quotes from several insurance providers when you’re looking for motorbike insurance though, since this is one of the best ways to save money.

This will depend on your budget and how much protection you want for your bike. If you want as much protection as possible, then a fully comprehensive policy would be the best choice.

Assuming that your bike is road safe and you’re fully qualified and licenced to ride it, then yes, having insurance in place will make it road legal, even if you only have third party cover.

In Summary

The type of bike you have, your age and where you live are some of the biggest factors that affect the cost of motorbike insurance.
You should take any steps you can to make your bike more secure in order to lower the cost of insurance.
If you have a good amount of NCD built up, then you should benefit by getting cheaper cover with most providers.