Motorcycle Insurance

Why choose AA Motorcycle Insurance?

• a great deal for you – get the best price from a panel of over 10 insurers
• multi-bike policies available
• tailor the insurance to meet your needs
• no-claims discount can be transferred from other insurers
• wide range of motorcycles covered including tourers, mopeds, superbikes, scooters
• new for old replacement bike 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 6 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.

Motorcycle insurance optional extras

Legal Expenses Cover – just £26 a year

The cover offers up to £50,000 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 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.

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 January 2010

Policy documents for extra cover options

Motorcycle Legal Expenses

Motorcycle Legal Expenses Terms and Conditions

Helmet and Leathers Cover

Helmet and Leathers Cover Terms and Conditions

Helmet and Leathers Cover Policy Summary

Personal Accident Cover

Personal Accident Cover Terms and Conditions

Personal Accident Cover Policy Summary

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.