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Compare Life Insurance For Motorcyclists

It’s important to make sure that your family is financially protected if anything happens to you. The reason that we understand this so well for motorcyclists is that we ride bikes ourselves, and we’ve got families.

It seems a simple decision to take out motorbike insurance to protect your motorcycle, but what about its rider? You are in need of protection just as much, especially with loved ones to think about.

Life insurance is the #1 way to protect your family, to ensure they do not struggle financially if you are no longer around to support them.

You don’t need to worry that riding a motorbike will prevent you from getting cover, as there are many brilliant UK insurers providing motorcyclists life insurance. Our experts can find the best policies currently available, with a level of cover and price to suit you.

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

Our Managing Director (Dan Sharpe-Szunko) is an extremely keen motorbike rider with a long and deep history of riding bikes on and off-road.

“From a very young age, I’ve been lucky enough to be able to ride bikes, from my first Honda XR80 as an 8-year-old lad up to my latest Repsol Fireblade. I also have 2 young children and am very aware that I need to protect them if anything happens to me”.

  • Favourite bike: BMW 1200 GS Adventure
  • Favourite place to ride: North Wales
  • Favourite rider: Valentino Rossi (obviously)
  • Favourite café: Ravens
  • Favourite racing: MotoGP (BSB close second)
  • Top 3 bike countries: UK, France, and Portugal
  • Best track: Donnington Park

There are literally thousands of different types, makes, and models of motorbikes in all shapes and sizes. But the risks of riding them on the road and off-road are still very similar, which is why we’re here to help.

Types of motorbikes we cover riders for:

  • Touring
  • Sports
  • Supersports
  • Racing
  • Naked
  • Chopper
  • Moped or scooter
  • Learners
  • Classics
  • Motocross
  • Enduro

How much does life insurance for motorcyclists cost?

When buying or applying for motorcyclists life insurance, there are a number of things that will be taken into account to determine how much your premiums will be.

Your premiums will be based on several standard factors including:

  • Your age
  • How much cover do you need
  • What term (years) do you want to cover for
  • Is your cover for a mortgage or family protection
  • Do you smoke

This will determine your premiums for life insurance and then on top of that we need to consider several other areas, including:

  • Health and medical history
  • Lifestyle
  • Activities (including motorcycle riding)
  • Occupations

Cheaper life insurance for Motorcyclists

It’s also possible to reduce your motorcyclists life insurance premiums by following a few quite simple steps. The best and quickest ways to get cheaper life insurance if you ride a motorcycle are:

  • Speak to an expert (Get the right advice and speak to someone who understands motorbikes)
  • Apply for cover when you’re younger (premiums increase as you get older)
  • Quitting smoking (non-smoker rates are lower)
  • Lifestyle improvements such as losing weight can help

There’s nothing more frustrating than paying out more than you need to for things, especially when it’s so important.

We’re rated the UK’s #1 life insurance experts for Motorcyclists and other activities like this. Our expertise means that we can help you to find the BEST cover to protect your family at the right price.

We all love riding motorbikes for the sense of freedom that it gives us and the exhilaration of riding our bikes.

Unfortunately, the roads are a dangerous place for motorbikes and especially these days because of the fact that roads are so busy. Long gone are the days when you can find a stretch of road with just you and your bike for miles.

If you ride bikes on or off-road then you’ll need some kind of cover, especially if you’ve got a family to support.

Compare the best life insurance for Motorcyclists

When looking for a life insurance policy there are many things to consider to make sure you are putting the right one in place. Before applying you should consider:

  • The type of cover needed (level term or decreasing term)
  • How much cover you want and your budget
  • If you have any dependants and their age
  • How long you need the cover for (length of term)

Comparison is key to finding the terms and level of cover you need at the best price to suit you. Our specialists can compare policies across the UK’s top mainstream and specialist providers, to find the right policy for your needs.

Does life insurance pay out for motorcycle accidents?

YES – if you die as a result of a road accident on your motorbike, then your life insurance will pay out a lump sum to your family.

Life insurance is designed to protect your loved ones financially if something happens to you. Your motorcyclists life insurance policy should payout to your beneficiaries if you pass away on your bike, or if something else happens to you.

There are no exclusions for motorcyclists on standard life insurance so your family should be fully covered.

Does critical illness cover pay out for motorcyclist accidents?

YES – there are several reasons why a critical illness cover policy will pay out to you, if you are involved in an accident when riding your motorbike.

Some of the main reasons why a critical illness cover policy might payout as a result of an accident on your bike are:

  • Amputation
  • Brain injury
  • Burns
  • Deafness (hearing loss)
  • Loss of limbs
  • Total permanent disability

Is life insurance for Motorcyclists more expensive?

The biggest and most common question that we get asked is ‘do I pay more for life insurance because I ride a motorbike?’.

It’s a very simple answer, NO if you speak to someone like us that knows where to get the BEST RATES for motorbike riders. If you apply to the wrong company then you could pay more for life insurance because you ride a bike.

It’s extremely important to us that we get our customers the BEST motorcyclists life insurance rates possible.

Here are just a few examples of our BEST life insurance rates for motorcyclists

Age of individualPremium
25£5.71
30£7.23
40£13.92
50£32.67

Note: examples above are based on £200,000 of level term life cover for a non-smoker over a 25-year term with no health issues.

If you disclose that you ride a motorbike on your life insurance application then there are a few things to understand. Insurers will ask for more information about your motorbike activities to establish what the risks are.

Questions for life insurance to riding motorbikes on the road:

  • What is the biggest cc bike you’ve ridden on the road in the past 12 months?
  • Do you have a full motorbike license?
  • How many years have you had a full motorbike license?
  • Roughly how many miles do you ride each year?

Questions about motorbike racing:

  • Was this a one-off event such as a track day experience?
  • Is your participation as a marshall only?
  • Which type of motorcycle racing do you do?
  • Do you take part in international events or Isle of Man TT?

Life insurance FAQs

 How much cover do I need?There are a few points to consider here when thinking about how much life insurance that you need, including:

Mortgage amount/Rent
Outstanding debts
Dependants (Ages)
Income
Expenditure

The level of cover you need can also depend on how much you can afford to pay as much as how much cover you need
 How long should I take the cover out for?It is possible to get covered up to age 90 for life insurance (this will vary for critical illness cover and income protection) with some insurance companies and you should consider the things that are important to you before you choose the term of your policy.
Some of the main things that can determine your life insurance for motorcyclist policy term can include:

Estimated retirement age
Age of dependants
Amount of savings
Other investments

Our specialist life insurance advisors will discuss your options and will help you to find the most appropriate cover term based on your needs and priorities.
Which insurance companies offer life insurance for motorcyclists?Generally, most of the UK’s biggest insurance providers offer life insurance for motorcyclists and some will offer cover at the same rates as non-motorcyclists.
Some insurance companies ask whether you ride a motorbike on the road on their applications for life insurance and others don’t, which is why it is better to speak to one of our experts.
Some of the best insurance providers for life insurance for motorcyclists are:

Aegon
Aviva
Legal & General
Vitality
Zurich

We’ll search for the best insurers to find the right cover to protect your family at the BEST price. You may even be able to add on optional extras such as critical illness cover with the right provider. 

Other types of cover for motorcyclists

Some of the other types of cover that you might want to consider if you ride a motorbike on or off the road.

Critical illness cover for motorcyclists

Critical illness cover is more important now than it has ever been in the past because of how long we are living and the ever-increasing survival rates for most serious illnesses.

It is even more important to consider critical illness cover for motorcyclists because of the fact that risks of serious injury are higher when riding a motorbike.

There are considerable differences between each insurer’s critical illness contracts so you need to make sure that you carefully check which conditions are covered and the type of contract available.

Some of the main serious illnesses that are generally covered include:

Some companies offer a standard critical illness cover policy which will offer core cover for around 40 conditions and other providers offer more comprehensive cover for up to 175 conditions.

Best life insurance for Motorcyclists advice

We’re extremely proud to be the UK’s #1 rated motorcyclists life insurance expert. You can get an INSTANT QUOTE or speak to one of our team to get FREE and FRIENDLY advice.

Our independent ‘Customer Service’ rating is 5.0 out of 5.0 on FEEFO… don’t just take our word for it, take a look for yourself.

We also work extremely hard to make sure that our insurance partners don’t charge more for motorbike riders!

Useful resources

British Motorcyclist Foundation – About Us

British Motorcycle Racing Club – About the club

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