MyAccount Claims Help Car insurance Home insurance Bike insurance Van insurance Personal loans Motorbike insurance Few things beat the freedom of riding a motorbike. But whether you're a Harley fan, prefer tourers or own a sportier set of wheels, you need quality bike insurance to enjoy the open road. Get a bike insurance quote Retrieve your bike insurance quote Homepage Motorbike insurance Why choose Hastings Direct bike insurance? We provide two levels of bike insurance so you can make sure you get the right cover for your needs. Comprehensive policies only 90 days of EU cover each trip abroad per trip Multi bike - savings on additional bikes Uninsured driver promise 24/7 claims helpline Defaqto 5 Star rated cover Helmet and leathers cover £100,000 of legal cover Hastings Direct also offers a range of optional extras, such as personal accident cover, breakdown, helmet & leathers and legal protection, which you can easily add to your motorbike policy. Limitations may apply to these products. What is motorbike insurance? Simply put, motorbike insurance is just like car insurance, but for bikes. If you or someone else is injured in an accident, or your bike's stolen or damaged, the right level of insurance will cover the associated costs and help you get back on the road. Bike insurance Our bike insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras. Get a bike insurance quote Retrieve your bike insurance quote What are the types of motorbike insurance? There are three main types of insurance for a motorbike: third party, third party fire and theft, and comprehensive. Third party is the most basic level of insurance and covers the third party and their property in the event of an accident. Your bike won't be covered if it's stolen or damaged. Third party fire and theft offers the same level of cover as third party, plus your bike is protected if it's stolen or damaged/destroyed by fire. Comprehensive insurance provides the best level of protection, packing all the benefits of third party insurance and covering you and your bike if you're injured in an accident or your bike is damaged/destroyed or stolen. It'll pay out for accidents even if you're found to be at fault. Comprehensive motorbike cover might cost more, but you're paying for added protection – which for many bikers is worth it. Do you need insurance on a bike? Yes – if you ride a bike on public roads, you need to have it insured. Third party insurance is the minimum level of cover required by law. How much is motorbike insurance? It's impossible to say how much bike insurance will cost you, as it depends on a wide range of factors. These include everything from your age and riding record, to what you use your bike for and where you live. The type of bike you ride is a big factor, too. The more powerful your machine, the higher the risk of accidents – and insurers balance out this risk by charging higher premiums. So, you might find insurance for a moped is far cheaper than for super-quick sport bike. Classic bikes usually cost more to insure than newer models too, especially if they're rare, because parts will be more expensive to get hold of. How can I get cheaper bike insurance? You can't change all factors that affect the price you pay for insurance on a motorbike, but there are some ways you can cut the cost of cover. These include: Boost your bike's security. Fitting an immobiliser on your bike or storing it in your garage overnight could lead to cheaper insurance. Pay for cover annually. You'll usually pay interest if you pay your premium in monthly instalments, so you could save cash paying for it in one lump sum. Improve your riding skills. Gaining an advanced qualification could lead to cheaper cover so long as it's recognised by your insurance provider. These include things like a BikeSafe certificate, Enhanced Rider Scheme and RoSPA Advanced Motorcycle Training. Buy a less powerful bike. Just about to buy your first set of wheels? Opting for a less powerful bike will lower your premium – not to mention, it's safer to start off on a slower bike. Increase your excess. Raising your excess usually results in cheaper cover, but you need to be sure you can afford to pay it if you were to claim on your policy. Can you insure two bikes on one policy? Do you own more than one bike? Perhaps you ride one bike to work and save the other for Sunday cruises. If so, you could save money by covering both machines under a single multi bike policy. Unlike a multi car policy, it only covers you, the main rider – and only allows for one bike to be on the road at any given time. That's why the cost of cover is usually cheaper, and it'll be easier for you to manage too. All motorbikes are grouped in terms of their power and value, with most bikes falling under groups 3-17. If you've got a bike in a lower group, then under a multi bike policy, it could balance out the cost of cover for a higher group bike. How do I claim on bike insurance? If you've been involved in an accident or had your bike stolen and need to make a claim, you should find all the details you need in your insurance documents sent over to you by your provider when you took out cover. Motorbike insurance with Hastings Direct Hastings Direct offers two levels of bike insurance so you can make sure you get the right cover for your needs. Each policy features a great range of benefits as standard, including 90 days of EU cover per trip, discounts for advanced riders and the option to protect your no claims. We also offer a number of extras, including up to £1000 worth of helmet and leathers insurance, bike legal expenses and bike breakdown cover. Hastings Direct motorbike insurance doesn't cover pillions as standard, but you can request pillion cover as an optional extra provided you hold a full motorbike licence. Get a bike insurance quote today and see how much you could save. Get a bike insurance quote Retrieve your bike insurance quote Policy info Policy info Acceptance criteria Insurance policy documents Information about our insurers Important information about riding abroad Our fees Types of bike insurance Types of bike insurance First time insurance Moped insurance Multi bike insurance Young bike rider advice Optional extras Policy features Breakdown cover Helmet & leathers cover Legal expenses cover Personal accident cover Help Bike insurance guides About MyAccount MyAccount Claims help centre Help centre Helmet and leathers cover Hastings Premier motorbike insurance includes up to £1000 of helmet and leathers cover as standard. More about helmet and leathers cover Car insurance Our Direct and Premier policies are 5 Star rated by Defaqto, so why not get a hassle-free car insurance quote today. Get a car quote Home insurance Relax in the knowledge that your home and its contents are well covered. Choose from buildings, contents and combined policies to get the level of cover you need. Get a home quote Van insurance All the tools for a great van insurance package, plus flexible options such as breakdown cover and legal protection, so you can tailor your cover to your needs. Get a van quote Insurance Car insurance Van insurance Bike insurance Home insurance Multi Car insurance Telematics insurance Legal Accessibility policy Cookie policy Our fees Privacy notice Terms & conditions Terms of use Modern Slavery COVID Risk Assessment How can we help? Help centre Customer reviews Hastings Direct news Sitemap Complaints About us About Hastings Direct Our brands Our TV ads Hastings Group Careers Hastings Insurance Services Limited, trading as Hastings Direct, is authorised and regulated by the Financial Conduct Authority (register number 311492). Registered Office: Conquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW. Registered in England and Wales no. 3116518. 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