0808 189 0463


        0808 189 0463

        Updated: April 19, 2024

        Life Insurance for Motorcycle Riders

        Motorcycle riders often need specialist life insurance polices due to the risks they face. Find out how to get the protection you need in our guide

        Ask a quick question

        We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

        FCA Logo
        1 of 2
        2 of 2 Send!

        No impact on your credit score

        If you were to conduct a random survey of regular motorcycle users in the UK and ask them why they prefer to move around on two wheels rather than four it’s highly likely the most popular answer would be: because it’s fun!

        While the main appeal of motorcycles is quite obvious, the safety aspect looms large for many who use them and also for their loved ones.

        In this article we take a closer look at life insurance for motorcycle riders and whether your premiums are affected by taking part in a higher risk activity.

        Can you get life insurance if you ride a motorcycle?

        The short answer is yes, it’s certainly possible. In fact, in many circumstances, finding a life insurance policy for a motorcycle rider is not quite as troublesome as many people may think.

        It’s often assumed that the additional risk inherently associated with riding a motorcycle will increase the chances of a life insurance application being declined or result in an increase in the premiums.

        The good news is, in reality, most UK insurers can accept an application from someone who frequently rides a motorcycle on standard terms, depending on the reasons why this type of vehicle is used.

        Most people use motorcycles for:

        • General transportation
        • Their job/occupation
        • Recreation/sports

        Let’s look at these three areas in more detail to see how such usage may affect a life insurance application.

        Generally, life insurance providers are likely to accept motorcycle riders on standard terms without any increase on premiums when the vehicle is required for general personal usage, travelling from one place to another (to and from your place of work, for example).

        It is possible that some insurers will request additional details to confirm this usage, for example, typical mileage in a day/week.

        Speak to an advisor for more information.

        If you use a motorcycle as part of your everyday job and have, therefore, received training from your employer or professional entity (police cyclists, learner cyclist instructors, for example) then most insurers would likely consider your application on standard terms.

        Where training hasn’t been given, such as for freelance delivery cyclists, some insurers may require further information on the type of work involved and your experience riding a motorcycle before accepting your application.

        If you use a motorcycle for general transportation or as part of your job and would like to talk with someone about life insurance, make an enquiry and we’ll match you with an expert.

        If you use a motorcycle for a recreational activity or engage in amateur events such as motocross, most life insurers would still consider an application on standard terms.

        However, more information would likely need to be submitted for events such as ice or circuit racing, for example, the frequency of events, typical speeds and locations (in the UK or international). Depending on these details an application may be declined or the premium could well be increased.

        Speak to an expert today

        Using a motorcycle for professional motorsport

        If you participate in professional motorsports you can still qualify for life insurance, however, you would need the assistance of a specialised insurer who would be able to cater for this type of cover.

        For such events a short-term life cover policy, designed to provide cover for specific events may be deemed more appropriate. In this example, a bespoke life policy can be put in place specifically for days when you are engaged in this activity.

        If you’d like to know more about this type of cover, get in touch and we can arrange for a specialist to contact you directly.

        Speak to a life insurance expert

        Getting the best life insurance deal doesn’t need to be a challenge just because you’re a motorcycle rider. The advisors we work with can help you find the best type of cover that suits your personal circumstances.

        All advice is free and you’re under no obligation to make a purchase. Call us on 0808 189 0463 or make an enquiry to get started.

        Ask a quick question

        We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

        FCA Logo
        1 of 2
        2 of 2 Send!
        Pete Mugleston

        Pete Mugleston

        Mortgage Expert, MD

        About the author

        Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

        Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

        FCA Disclaimer

        *Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us as well as any of our own are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

        Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.