What is Motorcycle Life Insurance?

Motorcyclists in the UK can generally obtain standard life insurance, although premiums may be slightly higher due to increased accident risks, with many riders accepted at normal rates. Most mainstream UK insurers provide coverage, including level term, decreasing term, and whole-of-life policies, which pay out to beneficiaries if the rider passes away.

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Are Motorcyclists Eligible for Life Insurance?

Yes, it is possible for motorcycle riders to get life insurance cover in the UK. Many insurers offer insurance coverage to motorcycle riders at standard rates, though the size of the engine, riding habits and experience may increase the premiums.

However, the insurer will consider the following aspects before offering you insurance coverage.

How old are you?
If you have any previous health conditions.
Your overall health status.
And your lifestyle habits such as smoking or alcohol.

Along with this, the information and the type of coverage you choose will assess the prices of the policy premiums.

Additionally, if you are a motorcycle racer, your life insurance for motorcycle racers will be assessed differently in comparison to a regular motorcyclist. Especially if your track race or motocross, the insurers can increase the prices of the premiums due to higher risk levels.

Read about what is term life insurance for NRI

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Why Do Motorcyclists Need Life Insurance?

Life insurance for motorcycle riders provides financial assistance to your loved ones and family members in the unfortunate event of a motorcycle-related accident. This coverage will not only provide accidental death benefits but will also offer a payout for your family's financial needs.

Here are the following reasons why insurance coverage is beneficial in providing financial security for your family.

A life insurance coverage can help your family pay mortgage payments and other debts.
It also offers help in meeting daily living expenses by offering financial protection
It provides financial support in covering childcare costs, including education and other expenses.
This coverage can also provide a payout for covering funeral costs.

A good life insurance coverage not only provides funds for your family’s financial safety, but it also offers peace of mind during difficult times.

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What are the Best Motorcycle Life Insurance Policies?

Level Term Life Insurance: This policy offers a fixed sum assured, which means that the payout sum will remain the same throughout the policy term. This insurance policy provides coverage for up to 40 years, and it will pay out if you pass away during this time period.
Whole of Life Insurance: A whole life insurance policy offers a lifetime coverage, which ensures that your family will get the guaranteed payout if you pass away.
Life Insurance for 50 Plus: A 50+ life insurance policy for individuals aged 50 to 85 typically guarantees acceptance without any medical tests.

Critical illness cover and terminal illness cover are products that provide additional levels of cover:

Critical Illness: Critical Illness cover can be added to your policy for an additional cost, and it ensures an early claim payout on your life insurance policy in case you are diagnosed with a serious illness.
Terminal Illness: It is an additional cover in the term insurance policy, and this rider allows you to make an early claim if you get diagnosed with a terminal disease and have less than 12 months to live.

Also read: How do UK Tax Laws Affect Term Life Insurance Plans?

What Factors Determine the Cost of Life Insurance for Motorcyclists?

The cost of life insurance motorcycle premiums depends on your lifestyle choices, as insurers consider your overall health, habits, and the frequency with which you ride a motorcycle.

Here are the factors that will help insurers estimate the prices of your premiums.

Age is an important factor, as younger people tend to be at a lower risk, while older people are at a higher risk and thus are more likely to pay higher premiums.
Your medical history, including your previous health issues or any family medical history, can have an impact on the price of the policy.
Smoking and drinking habits can increase the policy premiums, as these are considered high health risks.
The level and length of your cover will also determine the monthly prices of your policy premiums.

Insurers can also use the following information to understand the level of risk.

How regularly do you ride a motorcycle?
What is the purpose of riding a motorcycle?
What CC motorbike do you have?
If you are a professional motorcyclist?
Do you take part in any tracks or races?

Did you Know? Motorcyclists make up only 1% of UK road traffic, but they account for about 19% of all road accidents. This is why life insurance can be important for motorbike riders and why it’s important to give honest details about your riding habits when applying for cover.

Read about high-risk life insurance.

Does Life Insurance Cover Motorcycle Death?

Yes, life insurance for motorcycles covers death in a motorcycle accident. If you die during the term of the policy, the family will receive a lump sum payment. Most life insurance policies on motorcycles in the UK cover death by accident, but motorcycle racers may have exclusions, as they are at a greater risk.

Final Thoughts!

Choosing motorbike life insurance can offer vital protection for you and your loved ones in the unfortunate event that something happens. It can help with everyday expenses and also offers other benefits. Having the right cover and giving honest details about your motorbike riding can help you get a suitable life insurance policy.

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FAQ's

Q. How much is insurance for motorcycles in the UK?

A: The cost of a motorcycle depends on the age, type of bike you have, and your riding history.
Q. Life Insurance doubles because of motorbikes?

A: No, riding a motorcycle does not double life insurance costs, but some riders may have to pay higher premiums because they are considered to be at a higher level of risk.
Q: What is the cost of life cover when you are riding a motorcycle?

A: The cost of life insurance depends upon your age, overall health and motorcycling habits.
Q: Is there a Life Insurance for Delivery Riders in the UK?

A: Yes, delivery riders in the UK can secure life insurance and income protection through a standard policy.
Q: Does life insurance cover motorcycles?

A: Yes, motorcyclists in the UK are covered by life insurance, and it provides financial help to the families.
Q: Is motorcycle insurance required in the United Kingdom?

A: In the UK, motorbike insurance is mandated by law, even for a single day of riding on public roads.
Q: Does riding a motorbike have to be disclosed on a life insurance application?

A: Riding a motorbike should always be disclosed since not doing so may have an impact on future life insurance claims.
Q: Does my motorcycle's engine size have an impact on the cost of my life insurance?

A: Because insurers view them as a greater risk, bigger and more powerful motorcycles can raise life insurance rates.
Q: Does life insurance pay out if I die in a motorcycle accident?

A: Yes, the majority of life insurance policies provide benefits for deaths resulting from motorbike accidents, provided the policy is active and all details were accurately disclosed.

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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