RAC Motorbike Insurance has been rebranded to Your Motorbike Insurance

Your policy cover and insurer remain unchanged and will continue to provide the level of cover outlined in your documentation.

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About us

We have over 25 years' experience as a motorcycle insurance specialist born out of enthusiasm for bikes. We compare prices from our panel of leading UK bike insurers to help find you our cheapest price so you can spend more time on your bike instead of searching for your insurance quote.






Enhance your cover


Legal Expenses Cover

This cover offers up to £100,000 in legal costs to recover your uninsured losses in the event of a non-fault claim. These could include personal injury compensation, loss of earnings and damage to personal belongings. The cover also includes the cost for your defence if you're prosecuted for a motoring offence.

Take care of your motorcycle gear, so if anything is damaged as a result of an accident, you know it will be covered. We will provide up to £1,000 cover for your helmet, protective clothing, leathers, gloves and boots, regardless of whose fault the accident was.

Give you and your family the peace of mind that if you have an accident on your motorcycle, you will be covered. Our Personal Accident Cover will provide up to £25,000 cover for accidental injury, disability or death.

If your motorcycle isn't rideable following either an accident, theft, attempted theft or vandalism, you'll be provided with a hire bike up to 650cc for up to 14 days.

Guard yourself against the unexpected cost of making a claim with our Excess Protect cover. We'll cover your policy excess up to £600 in one year in the event of accidental damage, fire, theft, vandalism and flood excess.

All keys belonging to the immediate family living in your household are protected against loss, theft and breakage with our Key Protect policy. It also covers up to £1,500 for locksmith charges, replacement locks, reprogramming of immobilisers and alarms, and onward travel or use of a hire car.

We offer three levels of breakdown cover for your motorbike. We offer Roadside Recovery only; Roadside recovery and Home Start and European Breakdown. Our breakdown will get you back on the road should you need it.

Existing Policyholders


For when your policy expires, you can change your renewal preference using the Customer Portal.

Policy Documents
General

Terms of Business – For customers who purchased a policy on or after 13th August 2026.
Terms of Business – For customers who purchased a policy on or between 5th August 2026 and 12th August 2026.
Terms of Business – For customers who purchased a policy on or between 27th July 2026 and 4th August 2026.
Terms of Business – For customers who purchased a policy on or between 1st June 2026 and 26th July 2026.
Terms of Business – For customers who purchased a policy on or between 1st January 2026 and 31st May 2026.
Terms of Business – For customers who purchased a policy on or between 1st September 2025 and 31st December 2025.
Terms of Business – For customers who purchased a policy on or between 1st June 2025 and 31st August 2025.
Terms of Business – For customers who purchased a policy on or between 24th August 2024 and 31st May 2025.

Privacy Policy – For customers who purchased a policy on or after 1st August 2026.
Privacy Policy – For customers who purchased a policy on or between 1st January 2026 and 31st July 2026.
Privacy Policy – For customers who purchased a policy on or between 1st September 2025 and 31st December 2025.
Privacy Policy – For customers who purchased a policy on or between 1st May 2025 and 31st August 2025.
Privacy Policy – For customers who purchased a policy on or between 1st January 2023 – 30th April 2025.

Fees & Charges

Fees & Charges – For customers who purchased a policy on or from 1st October 2020.

Your Motorbike Insurance

Motorbike Insurance Policy Document – For policies with a start date on or after 1st August 2026.
Motorbike Insurance Policy Document – For policies with a start date on or between 12th May 2026 and 31st July 2026.
Motorbike Insurance Policy Document – For policies with a start date on or between 13th February 2025 and 11th May 2026.
Motorbike Insurance Policy Document – For policies with a start date on or between 25th May 2020 and 12th February 2025.
Motorbike Insurance Product Information Document

Key Protection Cover

Key Protection Cover Policy Document – For policies with a start date on or after the 12th May 2026.
Key Protection Cover Policy Document – For policies with a start date on or between the 1st June 2023 and 11th May 2026.
Key Protection Insurance Product Information Document – For policies with a start date on or after the 1st June 2023.

Legal Expenses Cover

Legal Expenses Policy Document – For policies with a start date on or after 12th May 2026.
Legal Expenses Policy Document – For policies with a start date on or between the 1st August 2019 and 11th May 2026.
Legal Expenses Insurance Product Information Document – For policies with a start date on or after the 1st August 2019.

Personal Accident Cover

Personal Accident Cover Policy Document – For policies purchased or renewed on or after 1st February 2025.
Personal Accident Cover Policy Document – For policies purchased or renewed on or between 1st February 2021 and 31st January 2025.
Personal Accident Cover Insurance Product Information Document For policies purchased or renewed on or after 1st February 2021.

Replacement Vehicle

Replacement Vehicle Policy Document For policies with a start date on or after the 12th May 2026.
Replacement Vehicle Policy Document For policies with a start date on or between the 1st February 2025 and 11th May 2026.
Replacement Vehicle Policy Document For policies with a start date on or between the 14th July 2022 and 31st January 2025.
Replacement Vehicle Insurance Product Information Document– For policies with a start date on or after the 1st February 2025.
Replacement Vehicle Insurance Product Information Document– For policies with a start date on or between the 1st November 2022 and 31st January 2025.

Excess Protect Cover

Excess Protect Cover Policy Document – For policies with a start date on or after 12th May 2026.
Excess Protect Cover Policy Document – For policies with a start date on or between 1st February 2025 and 11th May 2026.
Excess Protect Cover Policy Document – For policies with a start date on or between 1st February 2021 and 31st January 2025.
Excess Protect Cover Insurance Product Information Document For policies purchased or renewed on or after 1st February 2025.
Excess Protect Cover Insurance Product Information Document For policies purchased or renewed on or between 1st February 2021 and 31st January 2025.

Helmet & Leathers Cover

Helmet & Leathers Cover Policy Document – For policies with a start date on or after the 12th May 2026
Helmet & Leathers Cover Policy Document – For policies with a start date on or between the 1st February 2025 and 11th May 2026
Helmet & Leathers Cover Policy Document – For policies with a start date on or between the 1st February 2021 and 31st January 2025
Helmet & Leathers Cover (incl £25,000 Personal Accident Cover) Policy Document – For policies with a start date on or after the 1st February 2025
Helmet & Leathers Cover Insurance Product Information Document For policies purchased or renewed on or after 1st February 2021

Breakdown Insurance

Total UK Breakdown – Policy Document – For policies purchased on or after 1st August 2026.
Total UK & EU Breakdown – Policy Document – For policies purchased on or after 1st August 2026.
Breakdown Cover Policy Document – For policies purchased on or between 15th April 2025 and 31st July 2026.
Breakdown Cover Policy Document – For policies purchased before 15th April 2025.
Breakdown Insurance Product Information Document For policies with a start date on or after 1st August 2026
Breakdown Insurance Product Information Document For policies with a start date on or between 12th May 2026 and 31st July 2026
Breakdown Insurance Product Information Document For policies purchased or renewed on or between 1st February 2021 and 11th May 2026

Are you experiencing financial difficulty with your motorcycle insurance?

If you're an existing customer and are concerned about paying for your insurance, we have a range of options to support you.

Please contact us as soon as possible. The quickest and easiest way to speak to us is by LiveChat. You can access Live Chat using the Customer Portal where our agents will discuss your options and try to help.

LiveChat hours are Monday–Friday: 9am–6pm, Saturday: 9am–1pm

Complaints
How do I make a complaint?

At Your Motorbike Insurance, our aim is to get everything right, first time, every time. If a mistake is made we aim to put it right quickly. To start the process of reporting a complaint you can Live Chat us using the Customer Portal. Alternatively, you can email .

Once your complaint has been received it will be treated with the highest importance.

What happens next?

Within five working days we will:

  • Write or e-mail you to confirm that we've received your complaint
  • Attempt to resolve your complaint straight away, but if we need to investigate further in order to resolve the problem


If we are unable to resolve the complaint immediately, then within four weeks we aim to:

  • Give you a Final Response to the complaint, with all the reasons for the actions or decisions we have taken to resolve the complaint, along with details of the Financial Ombudsman Service; OR
  • Explain why it is not yet possible to give you a Final Response, and let you know when we will be ready to do so.


We hope that our response will never exceed eight weeks but should it do so, we will explain why it has not been possible to give you a Final Response, and let you know when we will be ready to do so. At this point we will also advise you of your rights under the Financial Ombudsman Service.

The Financial Ombudsman Service

This is a free, independent service for resolving complaints about most financial matters.

If you're not happy with our Final Response to your complaint, or with the reasons given for any delays beyond eight weeks, you can contact the Financial Ombudsman Service using the details below:

  • Telephone: 0800 0234567 / 0300 123 9123
  • e-mail: complaint.info@financial–ombudsman.org.uk
  • Write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR


Any complaint referred to the Financial Ombudsman Service needs to be made within six months of the date of the Final Response. It is possible that your complaint may not be eligible for referral to the Financial Ombudsman Service. If so, one of their staff will still be able to advise you on your options, or you might prefer to seek your own professional or legal advice.

Cancel your policy

You can request to cancel your policy using Live Chat. You can access Live Chat using the Customer Portal. Live Chat is available during office hours which are detailed below.

Opening hours are:
Monday to Friday: 9am–6pm
Saturdays: 9am–1pm
Sundays: Closed

Contact Us

If you have a query or there is anything you need some help with, why not chat with us on Live Chat. You can access Live Chat from the Customer Portal Login page here.

Our opening hours are: Monday–Friday 9am–6pm. Saturdays 9am–1pm.

Terms & Conditions

Please read these terms carefully before using the site.

This website is provided by Europa Group Limited (Company Registration Number - 3279177) trading as Your Motorbike Insurance and may be used for information purposes only. By using the site or downloading materials from the site, you agree to abide by the terms and conditions set forth in this notice. If you do not agree to abide by these terms and conditions do not use the site or download materials from the site. Intellectual property rights, either owned by Europa Group Ltd or a 3rd party that has given us permission to use them.

Should you experience any temporary unavailability of the site due to maintenance or updates you can contact us on 0330 159 1156 for a quotation or to ask an insurance related question.

Jurisdiction and Law


This site is directed at UK residents only and applications from non-UK residents will, unless otherwise stated, not be accepted. These terms and conditions shall be governed by and construed in accordance with the Laws of England and Wales.

Security and Privacy Policy


The Your Motorbike Insurance Privacy Policy forms part of these Terms and Conditions.

Once you have purchased your motorcycle insurance cover online you will receive confirmation in the form of an email. Please ensure you maintain a copy of all communication from Your Motorbike Insurance for your records. You will then receive an email which will allow you to download your policy documentation.

Limited Licence


Subject to the terms and conditions set forth in this Agreement, Your Motorbike Insurance grants you a non-exclusive, non-transferable, limited right to access, use and display this site and the materials thereon. You agree not to interrupt the operation of the site in any way.

Your Motorbike Insurance authorises you to view and download the information ("Materials") at this Web site ("Site") only for your personal, non-commercial use. This authorisation is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: i) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; ii) you may not modify the Materials in any way or reproduce or publicly display, perform or distribute or otherwise use them for any public or commercial purpose; and iii) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time. This Site, including all Materials, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorised copying of the Materials. Except as expressly provided herein, Your Motorbike Insurance does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information

Disclaimer


The materials may contain inaccuracies and typographical errors. Your Motorbike Insurance does not warrant the accuracy or completeness of the materials or the reliability of any advice, opinion, statement or other information displayed or distributed throughout the site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. Your Motorbike Insurance reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the site. Your Motorbike Insurance may make any other changes to the site, the materials and the products, programs, services or prices (if any) described in the site at any time without notice.

This site, the information and materials on the site, and the software made available on the site, are provided "as is" without any representation or warranty, express or implied, of any kind, including, but not limited to, warranties or merchantability, non-infringement, or fitness for any particular purpose. Some jurisdictions do not allow for the exclusion of implied warranties, so the above exclusions may not apply to you.

Third Party Websites: This website may contain hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites shall rest solely with the organisation identified as controlling the third party website and will be governed by separate terms and conditions. When you activate these links you leave our website. Links are provided for convenience and inclusion of any link does not imply endorsement in any way of the site to which it links. We accept no responsibility or liability for the contents of any linked websites.

Virus Protection: We make every effort to check and test material published on this website at all stages of its creation. It is always wise for you to run an anti-virus program on all material downloaded from the Internet. We cannot accept any responsibility for any loss, disruption or damage to your data or your computer system which may occur whilst using material derived from this website.

Privacy & Cookies

Europa Group Privacy Policy
What are Cookies?

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

To purchase products on our websites you need to have cookies enabled. Most web browsers have cookies enabled, but see Managing cookies for help to turn them on should you need to.

Cookies are commonly used on the Internet and do not harm your computer. We don't store personally identifiable information such as credit card details in cookies we create, but we do use encrypted information gathered from the cookies to help improve your experience of the site. For example, they help us to identify and resolve errors.

We're giving you this information as part of our initiative to comply with recent legislation, and to make sure we're honest and clear about your privacy when using our websites. We will continue to focus on our website privacy and ensure you are kept fully informed.

Our Cookie Policy

Our cookies don't store sensitive information such as your name, address or payment details. However, if you'd prefer to restrict, block or delete cookies from our websites, or any other website, you can use your browser to do this. Each browser is different, so check the 'Help' menu of your particular browser (or your mobile phone's handset manual) to learn how to change your cookie preferences.

Here's a list of the main cookies we use, and what we use them for.

Cookie name Cookie purpose
_actcc, _actmu, _acts _actvc, _hjSessionUser _hj, cb-enabled This cookie allows our web servers to respond to your actions on the website.
Online Quote Engine
AspNetCore.Antiforgery.cdV5uW_Ejgc ARRAffinity, ARRAffinitySameSite, ai_session, ai_user, architect-hash, pcAuth-userPrefLangTag, pcAuth-userPrefLocale, pureCloudTheme		 This session cookie is essential for visitors obtaining a quote and/or buying online. This ensures we capture the quote and purchase. It is set only for those people using the online quote engine and the cookie is deleted when you close your browser.
Google Analytics cookies This cookie collects information about how visitors use our sites. This is used to compile reports and to help us improve the sites. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Our website also uses a website recording service which records mouse clicks, mouse movements, page scrolling and any text keyed into website forms. Data collected by this service is used to improve our website usability. The information collected is stored and is used for aggregated and statistical reporting, and is not shared with anybody else.

Third Party Cookies

We may engage in advertising on other websites to promote our websites. The advertising partners we use may serve adverts that it believes are most likely to be of interest to you, based on information about your visit to this and other websites (this information is anonymous in that it does not include your name, street address, email address or telephone number). In order to do this, our advertising partner may need to place a cookie on your computer. For more information about this type of online behavioural advertising and how to opt out, please visit www.youronlinechoices.com/uk/.

Law

Policies shall be interpreted under, governed by and construed in accordance with the laws of England and Wales.

Managing Cookies

Please visit https://www.aboutcookies.org.uk/managing-cookies for information on how to manage cookies.