Top-Rated Life Insurance For Motorcycle Riders & Bikers 2025

Motorcycle riding is a favourite pastime for many, but it may also be necessary for their job or their only form of transportation.

Securing Affordable Life Insurance For Motorcyclists

Motorcyclists can effectively lower their life insurance costs by adopting several straightforward strategies.

To obtain more affordable life insurance as a motorcyclist, consider these tips:

1. Please Consult With A Specialist: The Insurance Hero team deeply understands motorcycles and the related insurance needs of those who ride them.
2. Get Insured Early: Opt for life insurance at a younger age, as premiums tend to rise with age.
3. Stop Smoking: Premiums are generally lower for non-smokers.
4. Improve Your Health: Healthy lifestyle changes like weight loss can positively impact insurance rates.

It can be disheartening to overspend on life insurance, especially when cost-effective alternatives are available.

As top-rated life insurance consultants in the UK for motorcyclist cover and similar high-adrenaline activities, our in-depth knowledge ensures you get the best possible advice and insurance solutions tailored to your unique lifestyle.

Compare & Save – Policies From Leading Insurers – No-Obligation Quick Quote Form

Regarding life insurance, there are policies available for motorcycle riders for any of the above reasons.

But which company will be the best option to purchase coverage from, and what will the cost be? Many insurance companies in the United Kingdom will payout in the event of a motorcycle accident as long as the policy does not expressly exclude those types of accidents.

Life Insurance For Motorcycle Riders? Reasons To Consider Getting A Free Quote From Us:

• Comprehensive and affordable life insurance for motorcyclists and bikers
• Receive a free and quick quote without ever needing to visit an office
• After receiving your quote, there is no obligation to purchase insurance
• There are many options available for coverage, including mortgage and critical illness cover
• Flexible coverage available for whole-life insurance plans
• Customer care has received outstanding reviews
• Excellent rates on shared coverage policies
• Smokers and vapers are not discriminated against
• Policies with excellent rates for shared coverage, including same-sex couples
• Critical Illness coverage, separate or in combination with life insurance, at little extra cost

The tables below provide a structured overview of life insurance considerations for motorcyclists, including types of insurance, factors affecting costs, coverage details, and the impact of motorcycle usage on insurance terms.

Types of Life Insurance for Motorcyclists

Type of Insurance	Description	Coverage Period	Suitable For
Level Term Life Insurance	Fixed sum assured. The payout amount does not change during the policy term.	Up to 40 years	Covering large debts like interest-only mortgages, family living costs, funeral expenses, or an inheritance.
Decreasing Term Life Insurance	The sum assured reduces over time, usually the cheapest form of cover.	Up to 40 years	Covering repayment mortgages, with the sum assured reducing in line with the remaining mortgage balance.
Whole of Life Insurance	Lifetime cover is a form of life assurance. Guaranteed payout upon death.	Lifetime	Providing an inheritance, covering long-term financial commitments.
Over 50s Plan	Guaranteed acceptance for UK residents aged 50 – 85. No medical information is required.	Lifetime	Covering funeral expenses, with a waiting period for natural cause death payouts.

Factors Affecting Life Insurance Cost for Motorcyclists

Factor	Description	Impact on Premiums
Purpose of Riding	Occupational, transportation, or recreational use.	Occupational and transportation use may not raise premiums, while recreational use, especially racing, might.
Type and Size of Motorcycle	Different types and sizes of motorcycles.	It may affect the level of risk assessed by insurers.
Frequency of Riding	How often is the motorcycle used?	More frequent use might be seen as a higher risk.
Professional Racing	Involvement in professional motorcycle racing.	It is likely to increase premiums due to high risk.

Life Insurance Coverage and Motorcyclists

Coverage Aspect	Description
Accidental Death	Life insurance policies generally cover accidental death, including motorcycle accidents.
Other Causes of Death	Policies pay out for many causes of death, not limited to motorcycle-related incidents.
Terminal Illness Cover	Allows early claim if diagnosed with a terminal illness (with a prognosis of 12 months or less).
Critical Illness Cover	An optional add-on for early claim in case of serious illnesses like a heart attack or stroke.

Motorcycle Usage and Life Insurance Implications

Motorcycle Usage	Impact on Life Insurance
Transportation	It should be simple to secure life insurance on standard terms.
For Work	Generally, it does not affect the ability to get standard terms, except for high-risk professions like professional racing.
For Fun	Standard terms are likely unless involved in high-risk activities like racing.

Without proper life insurance protection, would your loved ones be able to do the following if you weren’t around to help?

• Pay off the mortgage.
• Clear any outstanding debts in your name
• Fund their current lifestyle
• Buy a new home
• Plan for a funeral
• Deal with inheritance tax

Life Insurance for Motorcycle Riding as Part of Your Occupation

Police officers, motorbike trailers, and motorcycle emergency responders are often required to ride a motorcycle as part of their occupation.

For these individuals, life insurance is likely to be accepted with standard terms when working with most United Kingdom life insurance providers.

For those who are professional motorcycle racers, acquiring life insurance may be more difficult and more expensive since it is considered a “high-risk” occupation. The same applies to motorcycle racing as a pastime.

Life Insurance for Motorcycle Racing as a Pastime

Motorcycle racing as a pastime differs slightly from professional motorcycle racing.

Many factors will play into finding the right life insurance at the best price for motorcycle riders, including how often you participate in races, the type of competition, the speed of the bike and the track, and the size of the motorcycle in use.

For example, enduro racing and motocross are considered less dangerous and may allow for standard terms.

Finding an insurance provider willing to offer standard terms might be more challenging if you participate in other, more risky races, like circuit races and ice racing.

Insurance for Motorcycle Riding as Transportation

For individuals who use motorcycles as their primary mode of transportation to get from one place to the next, it is possible to secure life insurance with standard terms and average premiums without excluding a motorcycle accident from the policy.

However, it is important to know that some insurance providers may ask additional questions, such as the size and type of motorcycle used. Your answers to these questions may increase your premiums based on the provider’s guidelines.

Just because you ride a motorcycle – either as a hobby, part of your profession or just as transportation – it is possible to secure life insurance that is both comprehensive and affordable.

If you would like assistance comparing life insurance providers for motorcycle riders, the knowledgeable team at Insurance Hero can help you find the best plan for your unique situation and budget.

Life Insurance For Bikers FAQs

Does life insurance Cover motorcycle deaths?

Yes, life insurance cover is available for motorcycle deaths. Suppose you are in an accident while riding a motorcycle and die from your injuries.

In that case, your insurance company will pay out a death benefit if you purchase a motorcycle coverage policy and have met the underwriting requirements for that type of coverage. The amount and type of coverage you can get depend on the type of life insurance you have.

Does riding a motorbike increase life insurance?

Your life insurance policy will not increase just because you have a motorbike. While motorcycle riding may increase your chances of being injured and, therefore, increase your life insurance premiums, you will likely not be assessed at a higher rate for just owning a motorcycle.

Research sources:

• https://mcia.co.uk/data-requests
• UK Government report of road casualties in Great Britain
• https://www.rospa.com/media/documents/road-safety/road-observatory/Riders-Motorcycles.pdf

Guides to cover options for other sports: