Motorcycle Life Insurance
Specialist life cover for riders
Whether you ride for leisure, adventure or competition, you need protection that keeps up with your time on the bike. BikeLifeCover provides specialist life insurance designed specifically for motorcyclists at every level.
From weekend rides to professional racing, you can get cover that reflects what you actually do, not a generic risk profile. Sharing full details of your riding helps the team secure the right protection at the right price for you and your family.
What is life insurance for bikers?
Because motorcycling is seen as higher risk, life insurance, critical illness cover and income protection can vary a lot between insurers. Choosing a specialist means your riding is properly understood, not automatically penalised.
BikeLifeCover looks at your riding style, experience and activities to match you with insurers that offer suitable terms and fair premiums. With deep experience in high‑risk and extreme sports, the team understands what riders and racers really need from their cover.
What insurers look at
When assessing motorbike-related cover, insurers typically consider:
Critical illness cover for bikers
Critical illness cover can pay out a lump sum if you are diagnosed with a serious medical condition. For riders and racers, insurers will look closely at the exact type of motorcycling you do.
Some activities can be covered on standard terms, while others may come with higher premiums, exclusions or special conditions. Your BikeLifeCover specialist will explain the options in plain English so you can decide what level of protection feels right.
Income protection for riders
Income protection can be crucial if you rely on your earnings to keep up with a mortgage, loans or family costs. It is designed to pay a regular income if you cannot work due to illness or injury.
For motorcyclists, underwriters may ask about past injuries, how intensively you ride or race, and any previous time off work after bike-related incidents. BikeLifeCover helps you navigate these questions and find cover that balances cost with the support you need.
Stories from Real People Who Found Peace of Mind with BikeLifeCover
These stories reflect the care, protection, and peace of mind we aim to deliver every day.
Tailored Insurance Packages for Every Stage of Life
Our insurance plans are designed to provide peace of mind at every step. Explore the right coverage for your needs.
Types of motorcycling covered
BikeLifeCover works with a broad range of motorcycling disciplines, including:
If your discipline is not listed, specialist advisers can still explore options for many other forms of motorcycling and high‑risk riding.
Why choose BikeLifeCover?
BikeLifeCover combines specialist knowledge of hazardous sports with access to biker‑friendly insurers. The aim is simple: the right protection, at a fair price, that respects how and where you ride.
If you already have cover, have been declined before or struggled to find suitable terms, the team can review your existing arrangements and look for better options. Insurer products and underwriting change regularly, so a fresh review can make a real difference.
Speak to a dedicated BikeLifeCover specialist to explore your options and put robust protection in place around the way you ride and live.
What does it cover?
Family life cover
(level term)
Family life cover is designed to make sure your partner and children can stay financially secure if you die while the policy is in place. It can provide a tax-free lump sum that helps them keep up with the mortgage or rent, everyday bills and future plans, so money is one less thing to worry about at a difficult time.
Mortgage life cover (decreasing term)
Mortgage life cover is built to sit alongside your repayment mortgage and help protect your home. The amount of cover usually reduces over time in line with your outstanding balance, so if you die during the term, the pay-out can clear what’s left on the mortgage.
Whole-of-life & over-50s
Whole-of-life and over-50s plans offer lifelong protection rather than ending after a set term. They are often used to help with funeral costs, small debts or leaving a guaranteed gift for children or grandchildren, giving you and your family extra peace of mind.
Family income benefit
Family income benefit is an alternative to a single lump sum, designed to replace your income with regular payments. If you die during the policy term, it can pay a monthly or yearly tax-free income to your family, making it easier for them to manage everyday living costs.
You deserve life cover that understands how and why you ride
At BikeLifeCover, we specialise in life insurance for UK motorcyclists, so your family can stay financially secure while you enjoy every mile
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“Knowing my family is protected with life insurance from BikeLifeCover makes every ride feel that bit safer, because I know they’ll be financially secure if the worst ever happens.”