Motorbike insurance
Protect your motorcycle
Cover for your bikes, accessories and modifications
The best price for you, from a panel of leading insurers
- Choose from comprehensive, third party fire and theft, or third party only insurance.
- Discounts are available based on your no claims record, parking security and riding experience.
- Tailor your insurance with our optional extras – from Personal Accident Cover and Replacement Vehicle, to Excess Protect and Helmet and Leathers Cover.
Enhance your motorcycle insurance by adding these cover options
Legal Expenses Cover
This cover offers up to £100,000 in legal costs to recover your uninsured losses in the event of a non-fault claim. These could include personal injury compensation, loss of earnings and damage to personal belongings. The cover also includes the cost for your defence if you're prosecuted for a motoring offence.
Helmet and Leathers Cover
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
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.
Replacement Vehicle
If your motorcycle isn't rideable following either an accident, theft, attempted theft or vandalism, you'll be provided with a hire bike up to 650cc for up to 14 days.
Excess Protect
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.
Key Protect
All keys belonging to the immediate family living in your household are protected against loss, theft and breakage with our Key Protect policy. It also covers up to £1,500 for locksmith charges, replacement locks, reprogramming of immobilisers and alarms, and onward travel or use of a hire car.
Policy documents
Motorcycle insurance policy documents
If you've recently purchased AA Motorcycle Insurance, your customer documents – including the certificate of insurance – will be sent to you by email or post.
AA Motorcycle Insurance
Policies purchased or renewed from 10 September 2020:
More information about this insurance product
Policies purchased or renewed from 25 May 2018 to 9 September 2020:
More information about this insurance product
Free Basic Legal Expenses Cover
Policies renewed from 25 May 2018:
More information about this product
Full Legal Expenses Cover
Policies purchased or renewed from 1 August 2019:
More information about this insurance product
Policies purchased or renewed before 1 August 2019:
More information about this insurance product
Helmet and Leathers Cover
Policies purchased or renewed from 1 February 2021:
More information about this insurance product
Policies purchased or renewed between 1 September 2020 and 31 January 2021:
More information about this insurance product
Policies purchased or renewed before 1 September 2020
More information about this insurance product
Personal Accident Cover
Policies purchased or renewed from 1 February 2021:
More information about this insurance product
Policies purchased or renewed between 1 September 2020 and 31 January 2021:
More information about this insurance product
Policies purchased or renewed before 1 September 2020:
More information about this insurance product
Replacement Vehicle
Policies purchased or renewed from 1 February 2021:
More information about this insurance product
Policies purchased or renewed between 1 September 2020 to 31 January 2021:
More information about this insurance product
Policies purchased or renewed before 1 September 2020:
More information about this insurance product
Excess Protect
Policies purchased or renewed from 1 February 2021:
More information about this insurance product
Policies purchased or renewed between 1 September 2020 and 31 January 2021:
More information about this insurance product
Policies purchased or renewed before 1 September 2020:
More information about this insurance product
Key Protect
Policies purchased or renewed from 1 November 2019:
More information about this insurance product
About AA Motorcycle Insurance
Please read this PDF summarising the services we offer.
Information about AA Motorcycle Insurance Services
Updated February 2021.
Reduce your insurance premium
How you can save money on your motorcycle 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.
Good to know
1 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.
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. Registered office: Europa House, Midland Way, Thornbury, Bristol BS35 2JX. Registered in England and Wales number 3279177.
Europa Group Limited is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 309794.
Speak to our friendly bike team
0344 335 2932
Lines are open Monday to Friday 9am to 6pm, Saturday 9am to 4pm.