Motorcycle Insurance

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Time lapse motocross by gpwarlow

Photo by Geraint Warlow (Click for image credit)

With hundreds of different models out there every biker should be able to find their perfect machine. But it’s not just about speed, manoeuvrability and ride: what about costs? Specifically, what about insurance costs? It’s perfectly possible to buy a bike and then have to fork out twice as much (or more) per year on insuring it.

Here the boffins at Bikesure, the freethinking motorbike insurance broker, offer a list of some decent bikes that won’t cost an arm and a leg to insure.

Japanese giant Honda is the biggest bike manufacturer in the world. The CB600 Hornet is a relatively cheap bike to insure and, according to, it’s fun, easy to ride and offers great handling. The Hornet’s Nest is the home of the Hornet owners’ club and has loads of advice and information.

Other Honda bikes that are relatively cheap to insure include the 250 Superdream and the CB450.

Suzuki fans on an insurance budget should check out the GSF600 Bandit. Released in ’95, the first major changes were made in 2000 and include a bigger petrol tank and new steering geometry. Don’t let the relatively low insurance costs deceive you: according to Visor Down this is ‘a superb bike’ that spawned a host of imitators.

Kawasaki claims their ER-5, a 500cc naked commuter bike, offers ‘amazing fuel economy’. That’s a budget win-win when you add in its cheap insurance costs. If you have any questions then Bikers Oracle runs an owners club with an active
forum that may be able to help.

Bikers after a cheap-to-insure cruiser will find that the Yamaha XV535 and XV650 both fit the bill. There’s a selection of tourer spares and accessories for them at Motorbikes&Parts, a site that also offers a loyalty scheme which gives up to 20% discount.

Hog fans can find a cheap to insure machine in the Harley-Davidson 883 Sportster. In production for over 50 years, it’s a great looking bike with bags of pedigree. The site has a wealth of information for owners, including tens of
thousands of pictures, and a great tech section filled with essential maintenance tips. Once you’ve bought the bike, Jersey Harley-Davidson offers spares at VAT-free prices for online purchasers.

When it comes to insuring your motorcycle, the way to get the best price is to look around. It’s often worth ringing, too, as a good broker can be better at cutting costs than a computer programme. Whether you search around online or on the phone, be sure to ask Bikesure for a quote.

  • Gear Up Mag

    Some good points there but can you really insure a cheap anything these days???

  • Ben

    It’s true that bikes are a tad cheaper to insure than cars but I don’t ever want to get to a point where I have a motorcycle purely for “practical reasons”. I got into because motorcycles move me, emotionally. That’s the way I want to keep it!! 🙂

  • Va Insurance Rates

     Older bikes seem to be pretty cheap. Ones that are about ten years old.

  • Katherine Evans

    My husband brought his Ducati bike online secondhand so is about 9 years old and that seams to be cheap to insure. I think if he was to buy a brand new bike like all the younger lads like to do these days then he would pay a lot more.