Best motorbike insurance 2026
Motorbike insurance policies compared on cover, third-party and comprehensive plans, deductibles, assistance and management. Editorial ranking scored out of 100 according to our methodology.
- Third-party liability (third-party plan) is mandatory to ride; the intermediate and comprehensive plans add damage, theft, fire and equipment cover.
- AMV (two-wheeler specialist broker since 1974), the Mutuelle des Motards (mutualist model, Essentiel / Confort / Sérénité plans) and April Moto (large base of policyholders) are among the reference players in 2026.
- Indicative market premium: from about 20 to 50 € / month third-party, 40 to 80 € intermediate and 70 to 150 € comprehensive, depending on the engine size and the rider's profile — to be confirmed by quote.
- ⚠️ This comparison is not personalized advice. Deductibles, indemnity caps and exclusions vary from one contract to another: check the up-to-date general terms with the insurer.
Motorbike insurance goes well beyond mandatory third-party liability: damage, theft, assistance and equipment cover make all the difference in the event of a claim. The offers look similar on the surface, but the gaps lie in the deductibles, the indemnity caps, the scope of the plans (third-party, intermediate, comprehensive) and the quality of claims handling. This comparison is an editorial ranking scored out of 100 according to an identical grid for all insurers; it does not replace reading the general terms nor a personalized quote.
Our methodology
Each option is scored out of 100 against weighted criteria, using the same grid for all.
| Criterion | What we look at | Weight |
|---|---|---|
| Cover & protection | Third-party liability, damage, theft, equipment | 30 |
| Deductibles & caps | Amount of deductibles and indemnity limits | 25 |
| Price & value for money | Premium according to profile and engine size | 20 |
| Assistance & options | Breakdown assistance, courtesy vehicle, equipment cover | 15 |
| Customer service | Availability, claims handling, customer reviews | 10 |
The 2026 ranking
AMV
Mutuelle des Motards
April Moto
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Comparison table
| Insurer | Premium | Equipment | Assistance | Score |
|---|---|---|---|---|
| AMV | on quote | Optional | Included (depending on plan) | 92 |
| Mutuelle des Motards | on quote | Optional | Included (depending on plan) | 90 |
| April Moto | on quote | Depending on plan | Optional | 86 |
Frequently asked questions
What is the minimum mandatory cover?
Third-party liability (« third-party » insurance) is mandatory to ride: it covers damage caused to others. Damage, theft and fire cover are optional and are added in the intermediate and comprehensive plans, to be adapted according to the value of the motorbike and your use.
What is the difference between third-party and comprehensive?
The third-party plan is limited to mandatory third-party liability. The intermediate plan adds cover such as theft, fire or glass breakage. Comprehensive additionally covers damage to your own motorbike, including in the event of an at-fault accident. The exact scope and the deductibles vary depending on the insurer.
Does the engine size influence the premium?
Yes: the power of the motorbike, its use, the parking area and the rider's profile (licence seniority, history) come into the calculation. As a guide, expect often from 20 to 50 €/month third-party and 70 to 150 €/month comprehensive. Request a personalized quote.
Is the rider's equipment covered?
Some plans offer equipment cover (helmet, jacket, gloves) as an option, within an indemnity limit. The scope, deductibles and caps vary depending on the insurer: check the general terms.
🗓️ Update history
- 05/08/2026 — Verification of players and facts, 2026 update.
- 18/07/2026 — Update of plans and the assistance criterion 2026.
- 05/04/2026 — Revision of scores and addition of an insurer.
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