If you have recently started looking for motorcycles, you may know that it is a legal requirement to have at least one of the types of motorcycle insurance in Ireland. Motorcycle insurance is a policy that provides financial protection for motorcycle owners in case of an accident or theft.

If you own a motorcycle in Ireland, you know that having the right insurance coverage is essential for protecting yourself and your investment on the roads.

You may have a full license in countries like Brazil and India from a young age, but they are not recognised beyond a year and cannot be exchanged for a full Irish license. You will be treated as a Learner for insurance once you have an Irish Learner’s Permit.

Types of motorcycle insurance in Ireland

Regardless of your type, always compare quotes from multiple insurance providers to ensure you get the best deal.

Third-party only

Third-party-only insurance is the minimum level of coverage required by Irish law. It covers any damages or injuries you may cause to another person, vehicle, or property while operating your motorcycle.

Third-party, fire and theft

Third-party, fire and theft insurance includes the same coverage as third-party only but also covers damages or losses caused by fire or theft of your motorcycle.

Comprehensive

Comprehensive insurance is the most comprehensive type of motorcycle insurance available and covers damages or losses caused by accidents, fire, theft, and any other unforeseen events. It includes additional coverage options, such as personal accident and breakdown assistance.

Where can you get your motorcycle insurance from?

My friend Ellie said we could only get insurance from one of these four companies. So give these providers a call and compare.

1. Axa
   • https://www.axa.ie/insurance/motorcycle/
   • Phone: 1890 777 555
2. Carole Nash (My first and current insurance provider)
   • https://ireland.carolenash.com/
   • Phone: 1800 818 751
3. Liberty
   • https://www.libertyinsurance.ie/motorcycle-insurance/
   • Phone: 1890 944 412
4. Principal
   • http://www.principalinsurance.ie/
   • Phone: 818945954

But I have seen suggestions from other vendors, too; if you know more, let me know.

Types of motorcycle insurance in Ireland – Cost

Top 5 factors that can affect the cost of motorcycle insurance in Ireland.

What kind of motorcycle do you want to ride?

The make, model, and age of your motorcycle can all impact the cost of your insurance. Older or less valuable motorcycles may be cheaper to insure than newer or high-end models. Keep this in mind while browsing motorcycles on marketplaces such as DoneDeal.

Details specific to you.

Your age, gender, and driving history can all impact the cost of your motorcycle insurance. If you do not have a driving license yet, look at this write-up aimed explicitly at Irish motorcycle learners. It will help you reduce your spending on insurance unnecessarily.

How old are you again?

Generally, younger and less experienced riders may be seen as higher risk and, therefore, may pay more for their insurance.

Your coverage requirements

The level of coverage you choose will also impact the cost of your insurance. For example, comprehensive coverage, which includes a broader range of protection, is usually more expensive than third-party-only coverage.

Home and garage location

The location where you live and store your motorcycle can also affect the cost of your insurance. For example, living in an area with a higher crime rate may increase the risk of theft and, therefore, the cost of your insurance.

Your usage pattern helps pick the right insurance type in Ireland too

The purpose of your motorcycle and how often you ride it can also affect the cost of your insurance. For example, using your motorcycle for daily commuting or long-distance touring may be considered a higher risk, resulting in a higher insurance premium.

Irish Motorcycle insurance in 2023

These examples showcase a range of motorcycles from different manufacturers and various styles (sportbike, naked bike, adventure bike). No Claim Bonus and existing insurance will be essential in where it lies within the range.

Age Range	Motorcycle Example	Average Cost Range (Per Year)
18-25 years	Yamaha YZF-R125	€800 – €2,500
26-35 years	Kawasaki Ninja 650	€500 – €1,800
36-45 years	Honda CB500F	€400 – €1,500
46-55 years	Suzuki V-Strom 650	€300 – €1,200
56 and above	BMW R 1250 GS	€250 – €1,000

Did this write-up about the types of motorcycle insurance in Ireland help?

By understanding these factors and considering them when shopping for motorcycle or motorcycle insurance, you can find a policy that meets your coverage needs at a price that fits your budget.

As always, this is a guide and check your local law. All disclaimers apply.

If this helped, I would detail my experience with motorcycle insurance companies as I tried to shortlist and buy a motorcycle I could get insured upon in a later write-up.