Motorcycle Insurance

Motorcycle insurance

Get bike cover from just £75*

Choose AA Motorcycle Insurance

  • A great deal for you – get the best price from a panel of leading insurers.
  • Multi-bike policies are available.
  • Tailor the insurance to meet your needs.
  • No-claims discount can be transferred from other insurers.
  • Wide range of motorcycles covered includes tourers, mopeds, superbikes, scooters.

New for old replacement cover

In the event of a total loss claim, we will replace your motorcycle with a new motorcycle of the same make and specification (subject to availability) if, within six months of purchase new by you:
– any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase;
– or your motorcycle is stolen and not recovered.

Get a quote in minutes – call us or select the button below. Choose from comprehensive insurance, third party, fire and theft, or just third-party cover.

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AA member benefits

As an AA Insurance customer you'll have access to AA member benefits – giving you discounts on a host of motoring, travel, food, and home and lifestyle products. With AA member benefits, you can take your pick from special savings, exclusive events, and more. Have a look at our AA member benefits pages for details and terms.

* 10% of new customers paid this amount between 1 January and 31 December 2013.

AA Motorcycle Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768.

Motorcycle insurance optional extras

Legal expenses cover – just £26 a year

The cover offers up to £100,000 in legal costs for pursuing losses that are not insured under your motorcycle insurance policy. If an accident happens that is not your fault, you will want to claim back your excess and other costs, for example vehicle hire, from the negligent driver.

Most importantly, the recovery of these costs will maintain your no-claims discount.

See the policy summary and terms and conditions for full details.

Helmet and leathers cover – from £25 a year

Get cover against losing or damaging your motorcycle clothing in a motorcycle accident:

  • up to £500 in any year – £25
  • up to £750 in any year – £30
  • up to £1,000 in any year – £40

See the policy summary and terms and conditions for full details.

Personal accident cover – £25 a year

The cover provides up to £25,000 in financial assistance if you are seriously injured in a motorcycle accident or road rage assault when you are driving (using or in charge of the vehicle specified on your AA Motorcycle Insurance policy):

  • total and irrecoverable loss of sight in one or both eyes – £25,000
  • loss of one or two limbs – £25,000
  • permanent total disablement (other than loss of sight or limb) – £25,000
  • accidental death – £25,000

Additional benefits in the event of a road rage assault:

  • £100 a day hospital cash benefit, for up to 30 days in hospital
  • emergency dental treatment – £250

See the policy summary and terms and conditions for full details.

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Motorcycle insurance policy document

Please read the information about your policy and additional options before you buy AA Motorcycle Insurance. We'll send you complete documentation after you have bought your policy.

Motorcycle insurance

Motorcycle insurance policy booklet

Last updated October 2014

About AA Insurance Services Limited

To find out more about AA Insurance Services, this PDF gives a summary of the services we offer.

Information about AA Insurance Services Limited

Policy documents for extra cover options

Motorcycle legal expenses cover

Motorcycle legal expenses policy summary and terms and conditions

Helmet and leathers cover

Helmet and leathers cover policy summary

Helmet and leathers cover terms and conditions

Personal accident cover

Personal accident cover policy summary

Personal accident cover terms and conditions

Cheaper motorcycle insurance

How you could save money on your motorbike insurance

Whether you ride a moped or scooter to get around town, or are a serious motorcycle enthusiast, it's worth thinking about ways you could reduce the cost of your motorcycle insurance.

Get a full motorcycle licence

Having done your Compulsory Basic Training (CBT) it's worth attending a course with a Driving Standards Agency (DSA) approved instructor and preparing to pass your test. Once you have a full licence you are likely to see a reduction in your motorcycle insurance premium.

If you're over 21 and have a full motorcycle licence you can take an advanced motorcycling test. Tests are offered by organisations like the Institute of Advanced Motoring (IAM) and the Royal Society for the Prevention of Accidents (RoSPA).

The IAM's Advanced Motorcycling Test examines your ability to ride your motorcycle safely in a variety of situations, like riding on motorways, country lanes and in city traffic. Insurers and brokers may offer you a discount on your premium if you've passed this, or a similar, recognised, motorbike test.

Safe motorcycling

If you ride safely by following the Highway Code you are likely to reduce your chances of being involved in an accident. This could improve your chances of earning a no-claims discount when you come to renew your motorbike insurance.

Staying within the speed limit will not only help you to stay on the right side of the law, it should also help you to keep the cost of your insurance premium down. A speeding conviction is likely to mean higher insurance costs.

Motorcycle security

Insurers will ask where you keep your motorcycle at night when you request a quote. If you keep it in a locked garage this may gain a lower premium.

Comparing motorcycle insurance quotes

When you compare motorcycle insurance quotes it's important to compare like with like. If you're looking at quotes with similar prices make sure you compare the excesses that apply to each policy.

It's also important to look at the benefits or options a policy offers. Think about what you need cover for. If you decide you need cover for injuries you may suffer in a bike accident look for a policy offering personal accident cover. If you're interested in taking your bike on a tour of Europe, look for a policy which extends cover to the EU for the period you need.

Member benefits

Benefits for AA members


Enjoy exclusive discounts and access to once-in-a-lifetime events

More about member benefits

Breakdown members save 5%

AA Motorcycle Insurance is ideal for scooters, mopeds, motorbikes and superbikes, from BMW to Harley-Davidson, Honda and Yamaha.

Members save 5%

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Discount only available to AA eligible customers when they become new AA Motorcycle Insurance customers, and is only applicable for the first year of the policy. Discount not available retrospectively. Discount not available online or in conjunction with any other discount, promotion or offer. Offer can be withdrawn or varied at any time.

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