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Motorbike insurance NI

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Motorbike Insurance NI

Compare Motorbike Insurance NI

Whether you use your motorbike for your daily commute, for work, or just enjoy riding a motorbike for fun, you need to make sure that you have proper motorbike insurance. There are many different classes and sizes of motorbikes, making it hard to find cheap Northern Ireland motorbike insurance.

Here at Apricot Insurance, we can help you save time and money when you look for insurance. We have a quick and simple insurance quote comparison tool that shows you insurance offers from providers throughout Northern Ireland and the wider United Kingdom.

Which motorbikes have the cheapest insurance?

You will usually find that larger motorbikes with more powerful engines will have the most expensive insurance. The insurance price will also depend on the bike’s value and whether or not it is imported. If you want a quick quote for your motorbike insurance cost, use our comparison tool.

Are new motorbikes more expensive to insure?

Insurance providers will often charge more to insure a brand-new motorbike. Newer bikes have a higher value, and there is often a higher cost to repair or replace these bikes. Newer bikes often tend to also have larger engines than older bikes, which makes them more expensive to insure.

How can I lower my motorcycle insurance cost?

There are several ways that you can lower your insurance premium. This includes:

  • Complete motorbike safety courses
  • Increase your voluntary excess
  • Avoid motorbikes with modifications
  • Compare quotes from multiple providers

Your driving record and experience will also impact the cost of your insurance.

Is motorbike insurance NI cheaper with a full license?

Yes, if you have a full motorbike license (above the class of motorbike you are insuring) or a full driving license, you will often find it cheaper to get motorbike insurance. You will also find that many insurers will consider your driving history and experience from using a car when giving quotes for motorbike insurance.

What types of motorbike insurance NI can I get?

Just like with car insurance, there are different levels of motorbike insurance. Your options include:

  • Third party
  • Third party, fire, and theft
  • Comprehensive

The legal minimum level is third party cover, but you might want a higher level of cover to insure your vehicle against damage. Comprehensive cover allows you to cover the costs of your own motorbike damage in addition to third party repairs and costs, providing the most peace of mind.

Do I need motorbike insurance to ride a motorcycle?

Yes, you must have motorbike insurance if you intend to ride a motorbike on public highways in Northern Ireland. You do not need motorbike insurance if you only ride on private land, for example dirt biking.

What motorbike insurance do I need if I am a courier?

If you work as a motorbike courier, you must have proper motorbike insurance that covers business use. You might also want to look at courier insurance or food delivery insurance that protects you when you use your vehicle for work.