By Tahir Abbas, Editor · Last updated 1 November 2026
Motorcycle insurance covers bikes and their riders: from scooters and commuter bikes to touring machines. Riders face higher injury risk than car drivers and their bikes are easier to steal, so the right cover protects both the machine and the rider’s health and finances.
This guide explains what motorcycle insurance typically covers, what it leaves out, who it suits, and how to compare policies before you buy.
What motorcycle insurance typically covers
- Liability for injury and property damage caused to others
- Damage to your own bike in an accident, on comprehensive policies
- Theft, fire and vandalism, on comprehensive policies
- Rider gear cover, such as helmets and leathers, where included
- Medical payments or personal injury protection, where included
What motorcycle insurance typically does not cover
- Riding without the correct licence class or endorsement
- Track days and racing, unless specifically covered
- Wear and tear and mechanical breakdown
- Undeclared modifications
- Damage below your deductible
Who motorcycle insurance is for
Every motorcycle owner and rider. It is legally required in most jurisdictions, and it matters even more for riders because an accident can mean serious injury and a long time off work.
How to choose and compare motorcycle insurance
- Compare liability limits and deductibles like for like
- Check gear and accessory cover against what you own
- Consider agreed value versus market value for your bike
- Look at discounts for rider training, security devices and garage storage
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Sources and Disclosure
This guide is general information, not financial advice. Plan features described here are general and vary by insurer and state; always read the sample policy before you buy. For the rules governing insurance in your state, see the consumer resources of the National Association of Insurance Commissioners (NAIC). Disclosure: Being Insurance is an independent comparison site. We may earn a commission when you buy through links on this page. That never changes which companies we list or the order we present them in.