CIA Bike Insurance

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CIA Motorcycle Insurance Guide

Non-standard rider specialist

Covers new riders, convicted riders and those previously banned, alongside standard policies.

Broker, not insurer

CIA arranges cover through a panel of motorcycle insurers rather than carrying the risk itself.

Rugby based, now Gallagher owned

A Midlands intermediary with over two decades in the UK motorbike market.

Where many mainstream providers chase the cleanest risks, CIA Insurance built its reputation on the riders others find awkward — new riders, riders with motoring convictions or active bans, and anyone carrying a high premium for another reason. The Rugby-based broker has arranged motorbike cover for over two decades alongside car, van, home and commercial lines, and now sits within Arthur J. Gallagher & Co., the global brokerage group that acquired its parent AssuredPartners in 2025.

As an intermediary rather than an insurer, CIA places your policy with a panel of motorcycle insurers, so the cover and price behind a CIA quote depend on which insurer accepts the risk. Check the underwriter named on your CIA paperwork and compare it against other broker panels to judge whether the rate is competitive for your bike.

Why Riders Consider CIA

  • Convicted & banned riders — a core specialism, not a reluctant add-on
  • New riders — cover for those building their first no-claims history
  • Classic & modified bikes — non-standard machines considered
  • Multi-bike policies — several bikes on one policy
  • UK & European breakdown — accident and recovery at home and abroad
  • Legal & excess protection — optional cover for costs and your excess

CIA’s edge is the harder-to-place rider. If you have points on your licence, compare it against our guide to convicted rider motorbike insurance; for smaller machines, see 125cc motorbike insurance or cover several bikes with multi bike insurance. If you only ride seasonally, weigh an annual policy against pay as you go motorbike insurance.

What Levels of Cover Does CIA Offer?

Through its panel, CIA arranges the three standard levels of motorbike cover:

  • Third Party Only — protects other people, their vehicles and property when you are at fault, but not your own bike
  • Third Party, Fire and Theft — protects the same, plus your own bike against fire and theft
  • Comprehensive — protects the same, plus accidental damage to your own bike and your own injuries

What Options and Add-Ons Are Available?

Cover depends on the insurer behind your CIA policy, but you can usually add:

  • Legal protection — pursues costs and uninsured losses after a non-fault accident
  • Excess protection — refunds your policy excess after a claim
  • UK & European breakdown — roadside and recovery at home and abroad
  • Multi-bike — several machines on one policy
  • Helmet & leathers — riding kit damaged in an accident

Factor in the broker fees. As an intermediary rather than an insurer, CIA charges its own fees on top of the premium — on new policies, renewals, mid-term changes such as an address or bike change, and cancellations. Compare on the total price, premium plus fees, not the premium alone.

CIA Insurance Reviews and Reputation

CIA positions itself as one of the longer-established motorbike brokers in the UK and leans on phone-based service from a UK call centre, which suits riders with non-standard circumstances who need to talk through cover rather than buy purely online. As with most fee-charging brokers, reviews tend to split between those who value the personal service and those who notice the added fees.

Because CIA places cover with a panel of insurers rather than underwriting it directly, the claims experience depends on which insurer sits behind your policy. Comparing a CIA quote against other brokers — on price and on who is actually providing the cover — is the way to judge it for your bike.

FAQS

Compare Other Motorbike Insurance Brokers

Read our guides to popular UK motorbike insurance brokers

Eamonn Turley
Last Updated: 08 June 2026
Reviewed by: Eamonn Turley, Insurance Specialist
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