Pay As You Go Motorcycle Insurance
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Pay as you go motorcycle insurance lets you pay based on how much you actually ride, suiting low-mileage and occasional riders.
You could pay less than £256* for your motorbike insurance.
Get Your Motorcycle Insurance Quotes
Compare pay as you go motorcycle insurance quotes
Quotes are provided by a panel of FCA-regulated insurance providers.
Get Multiple QuotesFlexible cover for occasional riders
MultiQuoteTime provides access to a panel of specialist short-term motorcycle insurance brokers.
- Cover by the hour, day or week
- Doesn’t affect your annual policy or No Claims Bonus
- Suits occasional riders, summer-only bikes and borrowed bikes
- Multiple quotes from one quick form
What is Pay As You Go Motorbike Insurance?
Riding only occasionally, whether that’s a summer bike, a borrowed motorbike, or an infrequent commute, doesn’t always suit a standard annual policy priced for full-time use.
Not every insurer offers genuinely flexible short-term cover, and terms around No Claims Bonus protection and mileage limits vary significantly between providers, so it pays to compare more than one option.
MultiQuoteTime provides access to a panel of specialist short-term motorcycle insurance brokers via one quick form, so cover by the hour, day or week can be compared side by side.
What are the different types of pay-as-you-go motorbike insurance?
You can choose from three styles of pay as you go motorcycle cover!
Pay how you drive bike insurance
Pay how you drive bike insurance is also known as telematics car insurance or black box insurance. In this type of pay-as-you-go car insurance policy, a technology is installed into your vehicle to monitor how you drive.
In this case, your insurance rate or premium will depend on the data collected from this device about your driving habits and performance.
It’s worth highlighting that if you need protection for your motorbike, third-party cover is not sufficient. For this, you should consider comprehensive cover.
Pay-per-mile motorcycle insurance
In pay-per-mile bike insurance, customers are charged based on their mileage. This implies that the more distance you cover with your vehicle, the more you pay.
A pay-by-mile policy is the most popular and common type of PAYG insurance. In some cases, you may also have to pay an additional monthly or annual fee if you want your car insured while it is parked
Pay-per-day bike insurance
Pay-per-day bike insurance is similar to pay-per-mile insurance. However, in this type of pay-as-you-go bike insurance, insurers do not charge based on the mileage or distance covered.
Instead, your insurance rate will depend on how much time you spend riding your bike. This kind of insurance can be used in a situation where you want to borrow a motorbike off a friend for a few days or the weekend or even a test drive.
How To Compare Motorbike Insurance Via MultiQuoteTime.co.uk
Have these details ready to get your motorbike insurance quotes.
- Security & Storage: the security of the motorbike is an important factor. To help the insurer assess the risk, provide information on how the bike is stored and the security measures you have taken to prevent theft, for example storing it in a locked garage and always locking the forks as a preventative measure
- Vehicle Details: provide basic details on the actual motorbike, its age, estimated value and any modifications made since leaving the factory
- Personal Details: information about the lead driver or bike owner, any additional drivers, their claims history, and the estimated number of miles covered. Occasional riders with fewer miles typically represent less risk, which can result in lower premiums
Discover More Motorbike Insurance
Compare quotes from a panel of UK motorbike insurance brokers we have access to
Pay As You Go Motorbike Insurance
Short-term cover by the hour, day or week
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*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in May 2026 were quoted less than £256.34. The price you could achieve is dependent on your individual circumstances.
