Motorcycle Insurance

Motorcycle insurance

Peace of mind cover for you and your bike

Choose AA Motorcycle Insurance

  • We search our panel of leading UK insurers for the best cover and price for you and your bike.
  • We offer a range of cover options including multibike policies, and cover for accessories and modifications.
  • Choose from comprehensive, third party fire and theft, or third party only insurance.
  • A range of discounts are available based on existing experience, no claims bonus, physical security and riding experience.
  • Tailor your bike insurance further through our optional extras – from Legal Expenses cover and Bike Hire, to Excess Protect and Personal Accident cover.

Get a bike insurance quote online or call our UK-based bike team on 0344 335 2932. Lines are open Monday to Thursday 9am to 8pm, Friday 9am to 6pm, Saturday 9am to 4pm.

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AA Motorcycle Insurance Services is a brand style of the Automobile Association used under licence by Europa Group Limited which arrange and administer the insurance. Europa Group Limited is authorised and regulated by the Financial Conduct Authority, Financial Services Register number 309794.

Registered office: Europa House, Midland Way, Thornbury, Bristol BS35 2JX. Registered in England and Wales No. 3279177.

AA Motorcycle Insurance – optional extras

Enhance your motorcycle insurance cover by adding these optional extras. See the policy summary for more details of these extra options.

Policy documents for each of these options is available here.

Legal Expenses cover – £32.99

Protect yourself after an accident that wasn't your fault for less than 10p a day, with up to £100,000 to cover costs such as compensation for personal injury, recovering loss of earnings, damage to personal belongings and prosecution defence to defend your legal rights.

Helmet and Leathers cover – £41.99

Take care of your motorcycle gear, so if anything is damaged as a result of an accident, you know it will be covered. We will provide up to £1,000 cover for your helmet, protective clothing, leathers, gloves and boots, regardless of whose fault the accident was.

Personal Accident cover – £39.99

Give you and your family the peace of mind that if you have an accident on your motorbike, you will be covered. Our Personal Accident cover will provide up to £25,000 cover for accidental injury, disability or death.

Bike Hire Plus – £31.99

If you rely on your bike as your main mode of transport, don't be left stranded. Our Bike Hire Plus cover will provide you with a replacement bike for up to 14 days if an accident leaves your bike unrideable.

Excess Protect – £41.99

Guard yourself against the unexpected cost of making a claim with our Excess Protect cover. We'll cover your policy excess up to £600 in one year in the event of accidental damage, fire, theft, vandalism and flood excess. So you've got one less thing to worry about.

Key Protection

All keys attached to the key fob are protected against loss, theft and breakage with our Keyback protection. This cover also covers locksmith charges, replacement locks, reprogramming of immobilisers and alarms, onward travel, or use of a hire car up to £1,500.

  • One key fob £20.99
  • Two key fobs £39.99

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Motorcycle insurance policy documents

Below are all of our motorcycle insurance policy documents, including optional extra documents.

If you have recently purchased AA Motorcycle Insurance, your customer documents – including Certificate of Insurance – will be sent to you by email or post.

For policies purchased from 13 July 2015

Motorcycle Insurance policy booklet

AA Motorcycle Insurance Terms of Business

Legal Expenses policy document

Helmet and Leathers policy document

Personal Accident policy document

Bike Hire policy document

Excess Protect policy document

Optional Extras policy summary

Key Protection policy document

Key Protection policy summary

For policies purchased before 13 July 2015

Motorcycle Insurance policy booklet

Motorcycle Legal Expenses policy summary and terms and conditions

Helmet and Leathers policy summary

Helmet and Leathers terms and conditions

Personal Accident policy summary

Personal Accident 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

AA breakdown members save 5%

In addition to all of the standard benefits you get with AA Motorcycle Insurance, as an AA breakdown member, you will benefit from a further 5% discount off AA Motorcycle Insurance helping to save you more on your bike insurance.

Save on your motorcycle insurance

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This discount is only available to AA breakdown customers when they become new AA Motorcycle Insurance customers. This offer can be withdrawn or varied at any time.

Call our UK call centre


Speak to our bike team on

0344 335 2932


Mon–Thu 9am–8pm,
Fri 9am–6pm, Sat 9am–4pm