Here’s a quick look at the main types of motorbike and how they tend to measure up in insurance costs.
Moped and scooter
A moped or scooter is usually cheap to buy and insure, but premiums will be more expensive if it’s a first bike for someone under 25, as insurance providers consider this a high-risk age group.
These high-performance bikes built with speed in mind can be more expensive to insure than other motorbikes on the market. Make sure you compare insurance quotes to find a deal that suits you.
Increasingly popular with those who like to ride on and off the road, a supermoto bike can be used on your daily commute and on a dirt track for fun. Costs vary, but lighter-weight models with smaller engines are usually cheaper to insure.
Classic bikes can be highly valuable, but they also tend to be well cared for and used sparingly which can take insurance costs down a bit. Whether it’s a 70s vintage model or an 80s Japanese favourite, you can compare cover with us if it was manufactured in 1970 or later.
These bikes tend to cover a lot of distance, and they’re built for it, with lots of comfort and storage but less emphasis on speed. If you’re planning to take your touring bike abroad, your insurance may be more expensive.
If you’re into off-road riding, such as motocross or track racing, then it can be expensive to insure your bike – particularly if it’s modified.
Usually modelled after American bikes like Harley-Davidson, cruisers are large, heavy machines often sporting retro-styling. If you own one and have customised it to your taste, then this can bump up the cost of your premiums.
With a motorcycle that’s been ‘chopped’ or modified from its original design, you might have particular insurance needs because your bike has been custom-made. Use our comparison service to make sure you get the right insurance for you, at a price you can afford.