Top motorbike insurance compared

About Top motorbike insurance compared

Motorbike cover is easy to compare on paper and hard to compare in practice, so this ranking looks at the things that decide what you pay: the starting premium, the type of company behind the quote, and how the account and any claim are handled. It covers 115 brands, drawn from the 115 brands tracked for motorbike insurance, and every name here lists motorcycle in 100%, with auto the usual companion at 96.5%. Quoted premiums span €0 to €380.87, with a median of €9.62 and €3.69 and €51.97 marking the lower and upper quarters. The main trade-off runs through the company type: an insurer sets its own terms, a broker or comparison site puts more offers on the table, and a rider who wants choice spends more time on it.

How we picked

Trust carries the largest weight at 40%, cost follows at 35% and offer at 25%, so the order of this table is a judgement about reliability and price together rather than a price-only list. Trust is judged from what each brand publishes about itself: the kind of company it is, the legal entity behind the name, the year it began trading, the lines it writes, the channels it answers on and the routes it gives for claims. Cost is judged on the published starting premium against the spread here, whose median is €9.62. Offer weighs the breadth of the policy list, the payment model and whether monthly cover is available, and monthly payments are available at 88.5% of the brands tracked. Sources are each brand's own insurance, legal, terms and support pages, and only what a brand states publicly counts. Partner brands are listed first, which is why Good Sam Insurance Agency heads the ranking ahead of the score-ordered names behind it. Licensing is recorded for 83 of the tracked brands, and entity types split into insurers at 43.5%, brokers at 27.8% and comparison sites at 27.8%.

Our top picks

1. 3. CosmosDirekt

   CosmosDirekt closes this ranking as the only insurer among these brands, insurer, trading as Cosmos Versicherung Aktiengesellschaft and working since 1950. Being the writer of the policy means there is no comparison step and no separate broker in the middle, so terms and cover come from the same company. Motorcycle sits in auto, home and life, pricing runs on a monthly model with monthly payments, and premiums start at €1.73 on the term life line, the highest euro starting figure among the names priced here. Support runs on phone, email and help centre, claims go through online and phone, and an age range of up to 64 years applies. IATI Seguros, the name above, pairs the same monthly model with an excess from €0.

   • Premium from: €1.73
   • Insurance types: Auto, Home, Life, and 5 more
   • Provider type: Insurer

   Pros

   • Premiums start at €1.73 on monthly policies, under the site median of €8.37.
   • CosmosDirekt is an insurer, insurer, so the policy and the payout sit with the same company, Cosmos Versicherung Aktiengesellschaft.
   • Cover spans auto, home and life, letting a household place several lines with a single provider.
   • Claims can be filed online or by phone, online and phone, and support runs on phone, email and help centre.
   • Traded since 1950 in DE under BaFin supervision, which gives a long operating record to weigh.

   Cons

   • The €1.73 entry figure ranks 44 of 252 brands on price, better than most, yet the floor across the site is €0.
   • Support runs on phone, email and help centre only, with no chat line or community forum in that list.
   • auto, home and renters at Good Sam Insurance Agency adds renters and health cover, so a reader needing those lines goes elsewhere.
   • The travel policy stops at up to 64 years, leaving older travellers outside that cover.

2. 6. CHECK24

   CHECK24 sits in this ranking as the broadest comparison shop among the German names, trading as CHECK24 Vergleichsportal GmbH since 1999. Motorcycle appears in auto, home and life inside a list that also reaches home, life, health, travel, pet, dental, income protection and gadget cover, so a rider can build a household policy set from the same site. Pricing runs on a monthly model, premiums start at €0.69 on the private liability line, and support runs on chat, email and phone, adding chat and a help centre to email and phone. Claims are handled through CHECK24 Versicherungscenter online claim form, insurer online claim form and post, and few brands in this ranking name their claim routes so plainly. Freo, ranked below, keeps its support down to help centre.

   • Premium from: €0.69
   • Insurance types: Auto, Home, Life, and 7 more
   • Provider type: Comparison site

   Pros

   • One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
   • Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
   • Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
   • Registration sits with the German chambers: D-UC2S-PFVJD-82, D-FPD7-IQZPB-00 and D-I6KJ-85T6H-31.

   Cons

   • comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
   • The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
   • Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.

What to look for

Where the premium starts

Compare each published starting figure with the spread here: the median is €9.62, €3.69 marks the lower quarter and €51.97 the upper quarter, and the top of the range is €380.87. A starting price is a floor, not a quote, so treat it as a screen.

Who stands behind the quote

Insurers, brokers and comparison sites all appear here: insurers account for 43.5% of the brands in this category, brokers 27.8% and comparison sites 27.8%. An insurer writes the policy itself. A broker and a comparison site both sit in front of insurers, and the difference is who arranges the quote.

How the account is paid for

Monthly pricing is the model recorded across this ranking, 100%, and monthly payments are available at 88.5% of the brands tracked. Check whether the quote runs on a monthly model and whether paying by instalment is offered, since a bike policy renewed yearly is the more common shape elsewhere.

Help when something goes wrong

Phone answers for 90% of the brands here, email for 72.7% and a help centre for 77.3%, with chat at 48.2% and a community forum rare at 6.4%. Claim routes matter as much, so read whether a brand names them.

The rest of the policy list

Motorcycle is universal here at 100%, but the surrounding lines vary: home reaches 84.3%, life 61.7%, travel 61.7% and pet 51.3%. Riders who bundle a bike with a home or holiday policy should check the same brand writes both.

Who the site is built for

Seniors are the most served audience at 77.4%, with expats at 41.9%. Where a brand names an audience, expect the quote flow to be written with that group in mind, which matters for a rider who has moved country or is retiring and wants familiar wording.

Frequently asked questions

Top motorbike insurance compared by country

• Australia
• Canada
• China
• France
• Germany
• India
• Ireland
• Italy
• Netherlands
• South Africa
• Spain
• United Kingdom
• United States

Insurance providers compared head to head

• CosmosDirekt vs ERGO Group Deutschland

The data behind this ranking

All data and the CSV