2017 RANKING & REVIEWS
TOP RANKING BEST SITES TO COMPARE BIKE INSURANCE
Shopping for a Bike Insurance Quote
The term motorbike insurance is a broad one because the word motorbike itself can encompass a number of different vehicles.
A motorbike is a type of motorcycle with two wheels, but for classification purposes, it usually is more lightweight than a traditional motorcycle. A motorbike can also refer to a dirt bike, although the words are all often used interchangeably with one another.
It should also be noted that a motorbike is a term more frequently used in Europe and Australia than it is in America. Drivers will often use motorbikes as a convenient way to commute in these regions, particularly if they work in a metropolitan area where parking may be limited.
Award Emblem: Top 6 Best Sites to Compare Motorbike Insurance
For purposes of this ranking of the best websites to compare bike insurance and obtain a competitive motorbike insurance quote, we will cover options for traditional lightweight motorbikes, dirt bikes, and motorcycles, to give consumers a full perspective of the available options.
Regardless of whether you have a lightweight motorbike, a recreational dirt bike, or a motorcycle, it’s incredibly important that you have insurance, which is why this review of the best sites to compare bike insurance was written.
Not only will this review detail information on sites used to compare motorbike insurance; it will also cover some of the things consumers should look for as they shop for this type of insurance coverage.
AdvisoryHQ’s List of the Top 6 Best Sites to Compare Bike Insurance
List is sorted alphabetically (click any of the online bike insurance names below to go directly to the detailed review section for that online bike insurance site):
Image Source: Pixabay
Top 6 Best Sites to Compare Bike Insurance | Brief Comparison
Sites to Compare Bike Insurance
Featured Insurance Carriers
|Provides educational resources and guides for motorbike owners||MCE Insurance|
|Offers the opportunity to obtain multiple discounts on policies||They are a direct insurance provider but also provide quotes from competition|
|Users can view quotes for all types of motorcycles, mopeds, and scooters||Express Insurance Services|
Motorcycle Direct Gold
|Will help users cancel old policies||Progressive|
21st Century Insurance
|Consumers get 25% off for buying insurance online||They are a direct insurance provider|
|Receive up to 10 quotes at one time||State Farm|
Obtaining a Bike Insurance Quote for Off-Road and Dirt Bikes
When shopping for a motorbike insurance quote, you may specifically be looking for motorbike insurance coverage created for dirt bikes and off-road bikes. These bikes are often not street legal but are used recreationally for off-roading activities, and insurance coverage is important to have.
In the U.S., most off-road bikes and dirt bikes can be covered under a motorcycle insurance policy, so the coverage is similar or the same as what someone would get for a road-approved motorcycle.
The coverage included with most motorcycle insurance policies includes:
- Bodily injury and property damage liability: This level of coverage is included with motorcycle policies and dirt bike insurance, and it covers any damage that might be caused by you, as the driver, to other bikes or property. This specific aspect of motorbike insurance coverage can also pay for injuries to other people, or in some cases legal costs if there is a lawsuit resulting from an accident.
- Comprehensive and collision: As you start to compare bike insurance and research bike insurance online, you’ll see that many applicable policies also include comprehensive and collision coverage. This would pay for damages to your bike, and it can also provide coverage in the event your bike is stolen.
- Medical payments: Some types of motorbike insurance cover medical bills from injuries you might sustain while riding your covered bike.
It should be noted that, while insurance for motorcycles ridden on the road is required everywhere, there are also some states requiring recreational vehicles including dirt bikes and motorbikes to be insured. For example, in the state of New Jersey, all dirt bikes have to be insured, and they are required to have motorbike insurance coverage of at least bodily injury and property damage liability.
For the purposes of this ranking and review of the best sites to compare bike insurance and obtain a motorbike insurance quote, most of the information will be about motorcycle coverage and policies since these also apply to off-road and motorbikes.
Additionally, most of these motorbike insurance policies also cover vehicles such as scooters and mopeds.
How to Save Money on Motorbike Insurance
As you start to compare dirt bike insurance and look at options for bike insurance online, you might also be wondering how you can save money on the cost of motorbike insurance policies.
One of the best ways to do this, which you’ll likely read about as you search for a bike insurance quote, is to enroll in a training course. Motorcycle and motorbike training courses are great for new riders in particular, but they can help drivers with any level of experience to be safer and also to obtain a discount on their dirt bike insurance or motorbike insurance.
It’s also important to look for a bike insurance quote for only the coverage you need or that is applicable to you. For example, you can find a cheaper online bike insurance quote if you only ride your bike occasionally, as opposed to using it to commute to work each day.
It’s important that you look for dirt bike insurance policies and motorbike insurance products that are well-suited to your individual needs if you want to keep costs low.
Finally, simply by doing a bike insurance comparison and using websites to compare bike insurance, you’re going to help yourself save money.
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Detailed Review – Top Ranking Best Sites to Compare Bike Insurance
Below, please find the detailed review of each of the online bike insurance comparison sites on our list of the best sites for a motorbike insurance quote. We have highlighted some of the factors that allowed these sites that compare bike insurance to score so well in our selection ranking.
Confused.com is an online resource for U.K. drivers and consumers to help them shop for and compare not just bike insurance online, but also car and van insurance. It takes about five minutes to get a motorbike insurance quote, or a quote for any of the other products featured on Confused.com. The site can also be used as a portal to buy or sell a car and to compare car loans.
As one of the longest-running U.K.-based online bike insurance comparison sites, Confused.com provides a search of 120 insurance providers, and the online comparison is free. The website is also secure and is regulated by the Financial Conduct Authority.
U.K. comparison sites are included in this ranking of the best resources to obtain a bike insurance quote because motorbikes are so prevalently used there, and it’s one of the top auto insurance products needed by consumers in the U.K.
Key Factors That Led to Our Ranking of This as One of the Best Sites for a Bike Insurance Quote
Features and benefits of Confused.com that led to its inclusion on this list of the best places to shop for bike insurance online are detailed below.
Guides and Information
Confused.com is a great resource for U.K. motorbike riders because it’s not only a platform that makes it easy to compare motorbike insurance and get a bike insurance quote, but it also features a wide variety of informational and educational resources.
Confused.com offers a list of articles and guides geared toward everyone from the occasional hobby motorbike rider to people who ride their motorbike for their daily commute.
They also feature in-depth guides to things such as obtaining your motorbike license, and there is a guide to the seven different types of motorbikes.
This source to compare bike insurance also features policies for all of those types of motorbikes including scooters and quad bikes, which often have different insurance requirements.
Car Insurance Price Index
The primary goal of Confused.com, one of the leading resources to compare motorbike insurance and get a bike insurance quote, is to help consumers save money. They offer frequently asked questions and tips for site visitors, as well as the Car Insurance Price Index.
This is a comprehensive report that analyzes insurance pricing in the U.K. and serves as a valuable tool to help consumers make the right choice when it comes to auto and motorbike insurance.
The report looks at average prices by region, age, and gender.
Image Source: Confused.com
In addition to this report, which is an excellent tool to use during the process to shop online for bike insurance, Confused.com also has handy features such as letting users save their previous motorbike insurance search information and their recent bike insurance quote options so they can easily find them later.
Esurance is likely one of the most well-known resources to shop and compare motorbike insurance, although it’s classified under the broader category of motorcycle insurance since this is a U.S.-based website.
Esurance leads the way in providing a seamless online comparison experience for consumers who want insurance, and they also streamline their services across mobile devices as well.
Esurance is unique from some of the other names on this ranking because they provide insurance, but they also offer the opportunity to compare bike insurance online through the services of their sister company, Answer Financial.
Key Factors That Led to Our Ranking of This as One of the Best Sites to Compare Bike Insurance
Below are some of the features of Esurance leading to its inclusion on this list of the best resources for online insurance for bike owners.
First and foremost, Esurance is unique compared to many of the other sites on this list of the best places to find a bike insurance quote and compare bike insurance because they not only let consumers make a comparison across companies, but they also offer insurance coverage directly.
The following are some of the vehicles that can typically be insured by Esurance, in addition to traditional motorcycles:
- Street-sport bikes
- High-performance bikes
- Limited-production and custom bikes
- Touring and sport-touring bikes
- Vintage bikes
- Motorcross bikes
- Off-road/dual-purpose bikes ATVs
Some of the coverage options available from Esurance, a great tool to purchase bike insurance online and also a resource to compare bike insurance, include Personal Injury Protection, which is also known as no-fault insurance, and bodily injury and property damage liability.
Simple Quote Process
The objective of Esurance is to make it simple for consumers to get a motorbike insurance quote and compare motorbike insurance. They do this with an extremely fast, simple, and free comparison and quote process.
To get a bike insurance quote, consumers, need the following:
- Details of the bike they plan to insure, including the make, model, mileage, age, and condition
- The names of the people who will be insured on the policy and their driving history
- Recent or current insurer information
- Information about completed safety courses and safety devices that might be installed on the bike
Even for consumers who haven’t yet purchased a bike, they can still receive an online bike insurance quote if they know what type of bike they plan to buy.
Esurance provides a wide variety of discounts as well. Some of the many discounts Esurance customers may qualify for include a homeowners’ discount, paid-in-full discount, a discount for taking a safety course, and a discount for having a responsible driving history.
Another U.K.-based site to look for multi-bike insurance and conduct a motorbike insurance comparison is GoCompare.com. GoCompare prides itself on being one of the most in-depth services to compare a variety of types of insurance in the U.K. In addition to using GoCompare to compare bike insurance, the site also offers information and comparisons on other types of insurance, travel, and business products and services.
The site was created in 2006 by a team of experts from the insurance industry, and the overall objective of the site was and is to help consumers make the most informed possible decisions when buying a variety of types of insurance.
Key Factors That Led to Our Ranking of This as One of the Best Sites to Compare Bike Insurance
GoCompare is an excellent resource to search for online insurance for bike owners and get a motorbike insurance quote. Below are some of the specific benefits of the site.
Accreditation and Awards
GoCompare provides a simple, streamlined way for consumers to compare a range of valuable products through their trusted partners, and the goal is to offer one of the widest selections of companies and available insurance providers of any comparison site.
GoCompare has consistently been recognized as a leading place to get a motorbike insurance quote and compare bike insurance by media outlets and industry organizations.
For example, in 2008, GoCompare became the first price comparison site to join the British Insurance Brokers Association (BIBA). GoCompare is still the only site of its kind with that accreditation.
In 2016, GoCompare won the Investors in People Gold Award. This is an organization focusing on recognizing companies that develop people to improve overall business performance.
In 2015, GoCompare was given the “Combatting Fraud Broking Initiative of the Year Award” at the Post Magazine Insurance Fraud Award. The award was given because of GoCompare’s work done to help avoid fraud and misuse when people receive insurance quotes online.
Security and Privacy
As was touched on above, GoCompare isn’t just a good site to find bike insurance online; they’re a comprehensive, consumer-driven resource where safety and security of data and private information are a top priority.
All GoCompare does is provide submitted information to insurance and financial services partners that are carefully vetted and approved to provide quotes. Other than that, consumer information is never sold to third parties, nor is it used to make sales calls or send unwanted emails.
GoCompare has a stringent no-SPAM policy, and they guarantee they won’t send unsolicited email.
Image Source: GoCompare
This company also follows the strictest of security procedures in the protection and disclosure of consumer information for those who use the site, and GoCompare is authorized and regulated by the Financial Conduct Authority (FCA).
Insurance.com is a leading online resource designed to help consumers not just compare bike insurance and conduct a simplified bike insurance comparison, but also to help in the search for multiple types of car and vehicle insurance. In addition to auto insurance, consumers can visit Insurance.com to find home insurance and life insurance quotes and options, as well as health insurance.
Insurance.com defines their mission statement as being focused on educating customers and creating direct relationships that help customers find the right insurance for their needs.
Once users compare bike insurance and choose the right product from the motorbike insurance comparison, they can then buy a policy online or over the phone with an Insurance.com licensed agent.
Key Factors That Led to Our Ranking of This as One of the Best Sites for Bike Insurance Online
Insurance.com is included on this list of the best resources for online insurance for bike owners for reasons like the ones cited below.
Motorcycle Insurance Guide
Insurance.com doesn’t just offer an easy way for consumers to compare motorbike insurance and shop online for bike insurance. It is also an in-depth research tool designed to help consumers understand coverage and determine what they need.
For example, Insurance.com has a complete guide to motorcycle insurance, which covers the following topics:
- What insurance is needed to cover motorcycle injuries? This guide available from Insurance.com, a great resource to receive a direct motorbike insurance quote, includes information on the differences between liability insurance, comprehensive and collision, and uninsured and underinsured motorist coverage. It highlights what motorbike owners need to have and what individual aspects of insurance will cover.
- How much is motorcycle insurance? This guide also breaks down the potential price range for motorcycle insurance and shows how a motorbike insurance quote is determined. It highlights factors used to give a consumer a price, including the type of bike and the age of the rider.
- How much coverage is recommended? Recommended motorcycle insurance coverage is a section of the guide created with the input of the Managing Editor of Insurance.com and experts from the leading insurance companies of Liberty Mutual and Progressive.
- Can I get a multi-policy discount? Finally, this guide explains topics such as multi-bike insurance discounts that might be available for having more than one insured motorcycle with the same carrier, as well as multi-policy discounts for having a car and motorcycle insurance policy with the same company and a home and auto/motorcycle bundling discount.
Insurance.com makes it easy for consumers to shop and find the best bike insurance quote options. This bike insurance comparison tool shows side-by-side quotes from leading insurance companies, and then they can buy a policy online or by phone. Users get multiple quotes with a single form, and Insurance.com even identifies possible discounts and bundling options to maximize cost savings.
Users have complete control over their experience and how they receive quotes with Insurance.com. They can choose how they’ll get their quotes, whether that’s online, by phone, or from individual carriers, and the information isn’t shared with any third parties.
Insurance.com will even help consumers switch policies if they find one that will save them money or work better for their needs. They’ll help customers cancel their current policy by downloading a cancellation form or speaking with an agent.
InsureMyRide is an Australian insurance comparison site that specifically focuses on helping consumers find motorbike insurance and compare dirt bike insurance. This site is unique from the other sites on this ranking for obtaining a bike insurance quote for a couple of reasons.
The first is the fact that it’s an Australian site — the only one on this list.
The second major way InsureMyRide is unique from other sites on this list of resources to obtain a motorbike insurance quote is because, rather than offering a broad range of insurance products, the site is specifically focused on motorbikes, including dirt bikes.
Key Factors That Led to Our Ranking of This as One of the Best Sites to Compare Bike Insurance
When looking for bike insurance online and bike insurance comparison sites, the following are specific advantages of using InsuranceMyRide.
Just for Bike Riders
As we touched on above, InsureMyRide is one of the leading resources if you want to compare bike insurance, receive a direct motorbike insurance quote, or even find specialty products such as multi-bike insurance.
One of the reasons they are so advantageous for the consumer is because they’re specifically focused on the needs of bike riders, which can be unique from automobile drivers or even conventional motorcycle owners.
The needs of motorbike riders who don’t fit the traditional concept of insurance risk will find that their needs are met with this site, and InsureMyRide even provides comprehensive insurance to 18-25-year-olds, which is unusual in their market.
Perks and Benefits
InsureMyRide lets consumers not just use their tools to compare motorbike insurance and dirt bike insurance, but if they choose to obtain coverage directly through the site, they get additional perks as well.
For example, consumers who buy their policy online get a 25% discount.
Policyholders can choose to cover additional gear such as helmets, leathers, and boots, as well as valuables used on the bike like music systems; these valuables and gear are covered even if there is no claim on the bike.
NetQuote was founded in 1989, making it one of the most established insurance resources on this list of the leading sites to compare multi-bike insurance, dirt bike insurance, motorcycle insurance, and other types of motorbike insurance. The motto of the site is “insurance made easy.”
In addition to being a top resource to compare bike insurance online, NetQuote also features comparison tools for other types of auto insurance, business insurance, health insurance, home insurance, and life insurance.
The ultimate goal of NetQuote is to provide users with a fast, easy way to connect not only with insurance companies but also with local insurance agents in their quest to find the best, least expensive insurance options for their needs.
Key Factors That Led to Our Ranking of This as One of the Top Online Bike Insurance Comparison Sites
NetQuote is ranked as a leading motorbike insurance comparison site and resource to obtain bike insurance quote options for the reasons highlighted below.
Number of Quotes
Among even the motorbike insurance comparison sites listed on this ranking, NetQuote excels in terms of the number of offers a user receives after filling out a brief amount of information regarding their insurance needs.
Depending on your needs and the state you live in, you may receive quotes from up to 10 insurance companies, so you get a broad range of choices to ensure you’re making the right decision, both in terms of the coverage you need and your budget.
You receive a clear, straightforward, side-by-side comparison of available motorbike insurance options, and the objective of NetQuote is to provide a comparison that is “apples to apples.”
Guide for High-Risk Drivers
Not only is NetQuote an excellent overall resource if you want a motorbike insurance quote, but they also feature guides and resources for high-risk drivers, so you can turn to this site if this is a category you would fall into and want to know what your next step should be for purchasing insurance.
NetQuote highlights some of the reasons a person might be considered a high-risk driver, including young and first-time drivers, people with traffic violations, and people with a lapse in coverage.
There are also tips to help drivers lower their risk rating, and NetQuote highlights options for high-risk carriers. NetQuote encourages consumers to use their convenient and efficient free service to find companies that will provide high-risk insurance and then compare their rates.
In addition to informative guides, NetQuote also compiles original calculators and tools.
For example, on the NetQuote website, you’ll find calculators such as “How traffic tickets and moving violations affect car insurance,” and “Car vs. car: Insurance comparison shopping tool.”
Image Source: NetQuote
Conclusion—Top 6 Best Sites to Compare Bike Insurance
The above ranking and review of the best sites to compare bike insurance and obtain bike insurance quotes covers the following:
- U.K.-based insurance sites that can be used to source online insurance for bike owners
- A bike insurance comparison site for consumers in Australia
- U.S.-based resources for online bike insurance comparisons
It was important to include global insurance companies because the term motorbike is one that’s frequently used in the U.K. and Australia. When it’s used in the U.S., motorbike is ambiguous and can refer to any number of vehicles, including traditional motorcycles as well as recreational, lightweight motorbikes and mopeds.
The ranking and review reflects all these usages of the word motorbike, to make this as useful a guide as possible for the widest range of consumers, whether they’re searching for multi-bike insurance, dirt bike insurance, or standard motorbike insurance.
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