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- 51% of customers paid £259 or less for their motorbike insurance*
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Understanding Motorbike Insurance: Essential Protection on the Road
Motorbike insurance is not only a legal requirement; it provides critical financial protection for riders in the event of an accident, damage or theft. By paying regular premiums, you enter into a contract with an insurer that helps to mitigate the financial risks tied to motorbike ownership and road use.
Types of Motorbike Insurance Coverage
Third-Party Only (TPO)
This is the most basic level of motorbike insurance legally required in the UK. It offers:
- Protection for any damage or injury you may cause to other people, vehicles, or property
- Meets the minimum requirement for riding on UK roads
- Does not cover any damage to your own motorbike
Third-party, fire & theft (TPFT)
This type of motorcycle insurance offers greater protection than TPO by adding:
- Protection if you cause damage or injury to a third party
- Compensation if your motorbike is stolen
- Coverage if your bike is damaged by fire
- It does not cover your motorbike in accidents you cause
Comprehensive
Comprehensive insurance is the broadest type of cover available and includes:
- Full third-party liability cover
- Fire and theft protection
- Cover for repairs or replacement of your motorbike, even if you’re at fault
- Often adds perks like personal accident cover, legal expenses, or breakdown support
The information presented above is an advertisement. It does not constitute financial advice or recommendation and should not be considered as such. Renchlist is not regulated by the Financial Conduct Authority (FCA)- its authors are not financial advisors and are not authorised to offer financial advice.
*51% of Confused.com customers paid £259.61 or less for their motorbike insurance between July 24 and September 24.
Correct as of February 2025. The price you will pay will depend on your specific circumstances.