Over 50s Motorcycle Specialist

Over 50s & 60s Motorcycle Insurance

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Quotes tailored for experienced riders over 50 and 60, whose decades on the road could mean lower premiums.

You could pay less than £256* for your motorbike insurance.

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Specialist rates for riders over 50 & 60

Specialist over 50s motorcycle insurers

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Quotes are provided by a panel of specialist motorcycle insurance providers.

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Specialist cover for experienced riders

MultiQuoteTime provides access to a panel of specialist motorcycle insurers who understand riders over 50 and 60.

Rates that reflect decades of riding experience
Third party to fully comprehensive cover levels
Cover for a wide range of bike types and engine sizes
Multiple quotes from one quick form

What is Over 50s Motorcycle Insurance?

Many mainstream motorcycle insurers price policies around younger, higher-risk riders, which can mean experienced riders over 50 or 60 end up paying more than their actual risk profile suggests.

Specialist providers take rider experience and claims history into account differently, so cover levels and pricing can vary significantly between insurers for the same rider and bike.

MultiQuoteTime provides access to a panel of specialist motorcycle insurers via one quick form, so quotes tailored to experienced riders can be compared side by side.

Compare Motorbike insurance policies from leading insurers, including;

Over 50 and 60s Motorcycle Insurance Guide

Motorbike insurance in the UK is as essential as car insurance. There are various types of covers available for various riders. An important section of riders is over 50 years of age, riders who are seasoned and have proven riding skills.

This guide will walk you through the ins and outs of motorcycle insurance, allowing you to make informed decisions and stay safe on the road.

Why Insurance is Necessary for the Bikers

Uninsured bikers face harsh penalties, such as fines of up to £200 and disqualification from riding. You can also receive at least six penalty points on your driving licence, which will transfer to your car licence, potentially barring you from driving any vehicle and cancelling your motorcycle and car licence.

Benefits of Motorcycle Insurance fo older riders

There are multiple benefits of Over 50s and over 60s Motorcycle Insurance for advanced motorists and their motorbikes. It provides security and protects the owner from various damages concerning the vehicle as well as in a personal capacity.

The most important and attractive feature of older driver Motorcycle Insurance is its lower cost. The insurance providers take seasoned riders as a lower risk to the property due to their experience.

The over 50s Insurance also provides various discount packages to various clients, including the members of certain biker groups, older riders, those with lower mileage and zero/ nill No Claim Bonus on the record.

Certain insurance companies also offer an agreed-value option as the best deal for the owners of vintage, classic or modified bikes.

The insurance cover also includes certain add-ons for the bikers, including legal cover, breakdown cover, clothing, or helmet cover to help the insurers get extra protection in case of accidents, breakdown or theft.

Challenges of Over 50s Motorcycle Insurance

First and foremost, this is a specialised cover that every insurance provider does not offer. You may have to take a deeper dig in the insurance market to get a specialist insurer to issue you a cheaper insurance policy for Over 50s Motorbike Insurance.

Secondly, most insurance providers require a detailed medical certification clearance for the riders before issuing the policy.

The third challenge is that some providers do not include classic bike, modified or custom-designed vehicles under the cover, as the cost estimations to recover can vary from the market value.

Choose Your Level of Motorbike Protection

These levels are available as an annual bike policy or for occasional riders as a pay as you go bike insurance policy, ideal for summer riders and classic bike owners.

Third-Party Only

Legal Minimum

Essential legal protection for riding on UK roads

✓ Covers damage to other people’s vehicles
✓ Personal injury claims from others
✗ No cover for your own bike
✗ No theft or fire protection

Ideal for: Older, lower-value motorcycles

Third-Party, Fire, and Theft

Enhanced Protection

This includes third-party cover alongside fire, and theft coverage.

✓ Covers the cost of property or motorbike damage and injury to third parties.
✓ Covers the cost of damage to your motorcycle in the case of a fire incident.
✓ Provides financial protection in case your motorcycle gets stolen or for any damages to your car that occur as a result of attempted theft.
✗ No cover for accidental damage to your bike

Ideal for: Mid-value motorcycles where you want theft and fire protection

Comprehensive Cover

Affordable Motorcycle Insurance for older riders: Rewarding Your Road Experience

Access competitive quotes from specialist UK insurers that recognise the value of your decades on the road.

Insurance for Popular Over 50s Bikes

We help find cover for the machines favored by seasoned riders:

Adventure: BMW GS & Triumph Tiger
Touring: Honda Goldwing & Pan European
Modern Classics: Triumph Bonneville & Kawasaki Z900RS

Advanced Riding Discounts

Many specialist partners offer premium reductions for these certifications:

IAM RoadSmart: Highly valued by specialist underwriters.
RoSPA (Advanced Riding): Recognized proof of superior road safety.
Enhanced Rider Scheme (ERS): Ideal for riders returning after a break.

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Pro Tip: Ensure you mention any years of No Claims Discount (NCD) and security measures like garaging, as these are key factors in securing an affordable quote.

Factors Affecting Motorbike Insurance Costs

Several factors influence how much you’ll pay for motorbike insurance:

Type and Value of the Bike: High-powered, classic bikes and expensive motorcycles often come with higher insurance costs for motorbike owners.

Location: Where you live and park your bike can impact premiums. Urban areas may have higher rates due to increased theft and accident risks.

Usage: The more you ride, the higher your risk. Annual mileage, e.g. Commuting, racing, and touring, can affect your premiums.

Security Measures: Installing security features like alarms or keeping your bike in a secure garage can reduce costs of your insurance premiums.

Cost of Over 50 Bike Insurance

The cost of motorbike insurance for riders over 50 and over 60 can vary significantly depending on several factors including your bike type, riding experience, location, and the level of coverage you choose.

Many insurers recognize that experienced riders over 50 often have excellent riding records and years of no-claims history, which can lead to more competitive premiums. Factors that influence your quote include:

Your motorcycle’s make, model, and engine size
Where you live and where the bike is stored
Your riding history and no-claims bonus
Annual mileage and how you use your bike
Security measures and modifications
The level of cover you select

The best way to find competitive rates is to compare quotes from multiple insurers who specialise in mature rider policies.

Tips for Saving on Motorbike Insurance for older drivers

✓ Compare Quotes: Gather motorcycle insurance quotes from various insurance companies to find the best price.
✓ Advanced Riding Courses: Completing advanced riding courses can help you save money on your insurance.
✓ No-Claim Discount: You can save money and get a discount by establishing a no-claims history.
✓ Mileage Cap: If you ride infrequently, look for a policy with a lower mileage cap for the cheapest price.
✓ Multi-Policy Discounts: Combining your motorcycle insurance with other policies, such as car insurance, can often result in cost savings. For bike traders, multi van insurance is also an option, so you can include transport vans and bikes into one policy.

Compare motorbike Insurance for over 50’s

Motorcycle insurance is more than just a legal requirement; it’s also your financial safety net when you’re out on the open road. Choosing the proper coverage and provider can make or break your riding experience. Take the time to weigh your options, understand your policy, and consider your specific requirements as a motorcycle enthusiast. With the right insurance in place, you can ride with confidence, knowing you’re covered every step of the way. Check out options and prices what Hastings Direct motorcycle insurance, Bennets, MCE, AVIVA, Bikesure insurance and other leaders in this insurance sector

Who is the best motorcycle insurance company in the UK?

Selecting the best motorcycle insurance company in the UK can be subjective, depending on individual needs and preferences. Bennetts, Principal bike insurance, Devitt, MCE Insurance, and Bennets motorbike insurance are some of the most well-known and highly rated motorcycle insurance providers in the UK. To find the best one for you, compare quotes, coverage options, and customer reviews based on your specific needs and budget.

What Do You Need for a Bike Insurance Quote?

Provide these details to get fast quotes from specialist over 50s motorcycle insurers.

Storage And Security: how the bike is stored when not in use and the security features in place. Motorbikes are an easy target for theft, so secure parking and steps like locking the forks can help reduce the cost of cover
Vehicle Details: the bike’s age, estimated value and any modifications made since it left the factory
Personal Details: information about the lead rider or bike owner, any additional riders, and their claims history

*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.

Over 50’s and 60s Motorbike Insurance UK FAQs

Does age affect motorcycle insurance?

Yes, older riders, such as those over the age of 30 or 40, often have lower premiums because they are regarded as more experienced and less prone to risky behaviour.

Does Motorbike Insurance get cheaper as you get older?

In general, most insurance products get cheaper as you age. In the case of over 50s Motorcycle insurance for example, the risk to the insurance provider is reduced. This is based on empirical evidence in terms of the number and size of claims made by bike riders over 50 are less common than younger age groups.

When we reach our more senior years, the reverse can occur, with increase premiums for over 80's motorhome insurance and car insurance for over 80s. At this stage of our lives, we tend to pose increased risk to insurance providers. As we age are reaction times reduce, this along with other age related ailments can increase the likelihood of a claim which will may be reflected in higher car and motorbike insurance premiums.

On the bright side we can expect home insurance premiums to reduce as you reach the following milestones of life over 50, over 60's, over 70 or over 80's home insurance and beyond.

Are older bikes more expensive to insure?

No, older bikes are less expensive to insure. This is due to their lower replacement cost, as well as their perception as less appealing targets for theft. However, if you are talking about classic bikes, then you will need a specialist classic motorbike insurance policy.

Is there a difference for Over 60s Motorcycle Insurance?

Over 60s motorcycle insurance uses the same coverage types as over 50s policies, but riders over 60 often enjoy better rates due to their extensive experience, substantial no-claims bonuses, and lower risk profiles.

Is over 60 motorcycle insurance available?

The panel of specialist insurance providers that we have access to is able to provide motorbike insurance to all ages. If you need to compare the cost for over-60’s, spend just a few minutes completing the quote form and see how much you could save on your over-60’s motorcycle insurance.

Can I get motorbike insurance if I am 100 years old?

Whilst we are all living longer, reaching 100 is still for the very few in the UK. But the question is really: do bike insurance companies impose an upper age limit on providing cover for bike riders? The answer is that some on the panel will exclude some age groups, while others are still able to provide quotations and cover for drivers over 80 and above! The good news is that providers are now changing upper age limits, with LV now offering car insurance for over-80’s. Maybe bike cover for over-80’s will be coming soon.

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Last Updated: 09 June 2026

Reviewed by: Eamonn Turley, Insurance Specialist