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Motorbike Insurance for Northern Ireland

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As a resident of Northern Ireland, you may well be shelling out far too much for your bike insurance. In fact, you’ve probably already discovered that arranging motorbike insurance in Northern Ireland can be a surprisingly tricky task. Luckily Bikesure can offer you a Defaqto 5 Star rated insurance policy, when you speak to one of our experts today to help reduce your insurance.

A large number of the household-name, nationally operating insurers and brokers don’t even offer cover in Ulster. Those that do almost invariably increase their rates dramatically, because of a perceived greater risk. As a result of a lack of effective competition, local brokers and insurance companies in Northern Ireland have not felt any pressure to reduce their prices.

We thought it was time to change that…

Cheaper Bike Insurance in Northern Ireland

At Bikesure, we’ve taken a look at the statistics, and have adjusted our rates to address these issues – indeed we’ve written some entirely new schemes tailor-made for Northern Ireland residents. And we have confidence that our prices are very competitive throughout Ulster.

The insurance industry within Northern Ireland has always been very different from that in the rest of the United Kingdom. Having a relatively open land border with the Republic, insurers were worried by the possibilities of complex cross-border claims. They also lacked the network of assessors, body shops and parts suppliers to enable them to effectively service claims.

Nowadays, these issues are largely a thing of the past, as closer EU ties have meant that claims jurisdiction is no longer a significant issue, and the much improved distribution and transport networks, along with the huge advances in communications have made Northern Ireland much more accessible. As a result, there can be no excuses for hugely inflated insurance prices in Ulster when compared with the rest of the UK, and that’s why we were stunned when we looked at the figures to find that that residents of Northern Ireland were still paying very high motorcycle insurance premiums.

And so, working with several well-known insurers, we have developed a wide range of schemes which are available to Northern Ireland residents. We think you’ll be pleasantly surprised, and not just with the price.

That’s because our bike insurance policies are designed with the needs of the biker foremost in mind, and with features designed to help you make the most of your motorbike.

Motorbike Insurance Benefits for Northern Ireland residents

  • Cover available throughout Northern Ireland
  • Specialist classic bike policies in BT postcodes
  • Optional cover to ride in Republic of Ireland
  • Multibike policies. Cover all your bikes on one policy
  • Comprehensive cover to ride friend’s bikes on many comprehensive policies
  • Agreed value option for classic, custom and modified motorbikes
  • Great rates for riders with zero no claims bonus
  • Riders with motoring convictions covered
  • Riders with criminal convictions covered
  • All motorbike modifications and customisations covered
  • Easy payment options including direct debit – even for 16 year olds (subject to guarantor)
  • Full range of comprehensive motorbike insurance TPFT motorbike insurance and TPO motorbike insurance available
  • Up to 180 days’ European travel included
  • Legal cover up to £100,000 included free of charge

Discounts available

There are a wide range of discounts available to residents of BT postcodes, but to ensure you get our best rate, you should call, as many discounts are only available over the telephone.

  • Owners club discounts
  • Limited mileage discounts
  • Security discounts
  • Garaged vehicle discounts
  • Ownership discounts
  • Multi bike insurance discounts

Remember, our best rates are only available on the telephone, so make sure you call us on 0800 369 8580 before you buy a policy.

Existing customers please call

Insurance fit for a King

Four-time World Champion and King of The Jungle Carl Fogarty teams up with Bikesure Insurance

"I paid just £72.40"

David (46), Cambridgeshire

1966 Triumph T100SS

Call today for a quote!

Insurance to ride any bike

Agreed Value Insurance

Helmet and leathers

Keycare Insurance

Motorcycle Breakdown

Policy Upgrades

Bikesure offer a range of upgrades and extra benefits, at low prices, so you can add just the additional cover you need to your policy without breaking the bank.

Legal Cover (Free)

All motorcycle policies purchased through Bikesure come with £100,000 of legal expenses cover completely free of charge. You will also have access to a 24 hour claims hotline and a dedicated claims handler, a suitable replacement vehicle (where eligible) in the event of a non-fault claim, and access to a panel of legal experts to help you through any litigation. Other brokers and insurers charge up to £32 or more for similar cover. This policy is underwritten by Brit Insurance Limited.

Helmet & Leathers Cover

Replacing your helmet and leathers can be expensive and inconvenient as you have to either stop riding or compromise your safety by riding without protective clothing. Protect up to £1,500 worth of protective clothing for just £29.99 or up to £3,000 worth for £40.00. This helps cover the costs involved with replacing your helmet and protective clothing in the event of a motorcycle accident so you can get back on the road as soon as possible. Underwritten by Trinity Lane Insurance Company Ltd.


The nightmare of your motorcycle breaking down puts all of your plans on hold. Hanging around by the roadside for hours, thwarted plans and costly callout charges mean that a comprehensive breakdown policy is an essential consideration for any biker. For just £62.00 a year, when bought with a motorcycle insurance policy, Bikesure Rescue includes gold-standard cover for the insured motorbike including UK and European Roadside Assistance and Recovery, puncture repair, transport to your destination, back home, or to a garage, and emergency accommodation costs, and can even provide you with a similar hire bike to get you on the road again quickly. Get complete roadside peace of mind today. The policy is underwritten by Trinity Lane.


If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.

For just £19.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you’re stranded, up to a value of £1,500.

We’ll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.

For more information and to add keycare to your policy, speak to a member of our team today.

Personal Accident Cover

Nobody likes to think about the possibility of suffering a bodily injury in an accident, but unfortunately it can happen. Personal Accident Cover will pay out additional compensation in the event of accidental death, loss of sight, loss of limbs and road rage assault. The policy offers £12,500 of personal accident cover for only £17.00 a year. The policy is underwritten by Trinity Lane Insurance

Licence Defence

With access to legal advice when you need it most, and providing help negotiating some of the most complex legal and police paperwork, Licence Defence’s expert team could help any biker to avoid making mistakes while contesting their conviction or fine. To find out more about Licence Defence, and how it could help you for just £19.99 a year, contact our team today on 0800 369 8580

Excess Protection

If you are liable for a claim on your motor insurance policy (including non-fault claims where within 6 months you have been unable to recover your excess from a liable third party), this policy will reimburse any excess you have paid, up to a maximum of £300, £500 or £1,000 (dependent on premium paid) in the event of a claim. Protect your excess today from as little as £34.99. The policy is underwritten by Ageas Insurance Limited.

Cheaper Northern Ireland Insurance

Bikesure cut my costs down to size

“Living in Northern Ireland, motorcycle insurance has been quite expensive for me in the past.

But I called Bikesure and the knowledgeable staff there gave me a great quote and cut my insurance costs significantly.”

Sample Quotes

BMW R1100T

Shane, 28 likes steady handling on the long rides along the coast he often has to make, and his 1999 BMW R1100RT is perfect for his needs. He’s held a full licence for 5 years and has two years of no claims bonus available to use on this policy. He bought the bike a year ago, and it’s now worth £2,000 or so. He lives in Millisle (BT22 postcode)

Shane’s rate is just £110.42 for TPF&T cover, or only £200.00 for Fully Comprehensive protection.

Suzuki TL1000S

James is 55 and has just got back into biking after a break owing to family commitments. He has always wanted a proper V-Twin and has just bought a 1997 Suzuki TL1000S for £1,500. Although he has no bonus available to use on this policy, James did own a Suzuki GSXR1000 until 3 years ago and had earnt 5 years NCB at the point he had to give it up. James has held a motorcycle licence for over twenty years and lives in a BT48 postcode.

James’s rate is just £346.14 for fully comprehensive cover, or a mere £144.40 for Third Party Fire and Theft.

Call today for a quote!

Get a cheaper quote over the phone by speaking to our friendly, expert staff today.

From our Norfolk-based offices, our teams of insurance experts are ready to take your call, and to help you get great cover at a great price.

Just click the callback button and we’ll give you a call at a time that suits you.

Insurance to ride any bike

Ever fancied borrowing a friend’s or family member’s bike, but been worried that you might not be insured should you have an accident?

With Bikesure’s “ride any bike” insurance, you could add the equivalent of comprehensive insurance to your policy while you ride other people’s bikes – leaving you and the owner safe in the knowledge that you’re covered, whatever happens.

With up to a £10,000 claims limit, accidental damage, third party, fire, and theft cover included, and no need to let us know every time you borrow a new bike, you’ll be free to hop on and hit the road whenever you like.

Agreed Value Insurance

Whatever bike you ride, from a scooter to a cruiser, dirt bike to superbike, you want to know that you can claim back the full value of your bike if it’s written off.

With agreed value insurance from Bikesure, we’ll work with you to agree the true value of your bike when you take out a policy, and make sure that you get that sum back when you need to claim – helping you to fund a replacement bike without leaving you out of pocket.

Helmet and leathers

It’s no secret that your helmet and leathers are some of the most important items for staying safe on a bike – and that they can cost hundreds of pounds to replace if damaged.

For just £29.99 a year, our helmet and leathers insurance will cover up to £1,500 in the costs involved with repairing or replacing your leathers and helmet (or £40.00 for £3,000 in costs), including full leathers and other protective clothing, boots and gloves.

With a low £50 excess for each claim, insuring your protective kit could save you hundreds following an accident, and claims on your helmet and leathers policy won’t affect your bike no claims bonus.

Keycare Insurance

If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.

For just £19.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you’re stranded, up to a value of £1,500.

We’ll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.

For more information and to add keycare to your policy, speak to a member of our team today.

Motorcycle Breakdown

From just £62.00 a year, Bikesure Rescue provides gold-standard breakdown cover for your motorbike, offering 24 hour UK and EU roadside assistance and recovery, emergency accommodation costs, transport home, to a garage, or to a destination of your choice, and even an equivalent hire bike to help you get on your way after a breakdown.

We know that nobody wants to have their plans put on hold by a breakdown, or to be forced to hang around by the roadside for hours facing costly callout charges – so use Bikesure Rescue as your breakdown cover, and get motoring peace of mind at a price that suits you.