Compare Cruiser Bike Insurance Quotes

Of all the different motorbike styles out there, cruisers are one of the most recognisable and popular. Their iconic look dates back to the 1930s and has come to represent style, attitude, and riding for the fun of it.

Cruisers are synonymous with American giants like Harley-Davidson and Indian, though popular models also hail from Japan and elsewhere. The classic cruiser has a large, heavy frame with a low seat and extended front forks, perfect for long, comfortable rides. Their engines typically emphasise rideability over racing, offering lots of low-end torque without tonnes of horsepower.

Yes, you do! You need at least third-party insurance by law. You could receive a fine and points on your licence if you're caught cruising on UK roads without it, so don't make that mistake and be sure to get covered!

In terms of cruiser bike insurance specifically, you may be able to get covered by a standard motorbike policy. But specialist insurance is more likely to offer the features and value that you need from it, especially if yours is modified, custom-built, or vintage. And you're lucky, as our insurance providers cover them all!

You can! Cruisers make perfect platforms for customisation, and many owners modify their bikes or even build them entirely themselves.

You might alter yours to improve its performance, aesthetics, or practicality. Alternatively, you might just want to hone your skills while modifying a beautiful bike in your spare time. We will always aim to find you a policy as long as your cruiser is road legal. 

Just make sure to tell us about any modifications so that your cover is appropriate for your ride.

While there are several policy add-ons available, you'll need to start by choosing one of three standard levels of cover.

Third-party insurance

This is the most basic cruiser motorcycle insurance available and the minimum required by UK law. It covers you for accidental damage to someone else's vehicle or property, but not your own.

Third-party, fire and theft insurance

One step up gets you the same third-party protection on the roads, plus cover for your cruiser if it's damaged by fire or stolen.

Comprehensive insurance

Just as it sounds, comprehensive insurance is the broadest basic cover available. You get all the same cover above plus protection for any accidental damage to your cruiser - even if it was your fault.

Cruisers can be as individual as their riders, so there's no easy answer to this question. Sorry about that! What we can be certain of are the common factors that will affect the price of your cruiser motorbike insurance. These include:

• The make, model, and engine size of your cruiser
• Your age and riding experience
• The value of your cruiser
• Any modifications that you've made
• The level of cover that you want, plus any policy add-ons
• Any previous insurance claims
• Where you store your bike on a regular basis
• Any extra security measures

Whatever the value and performance of your cruiser, we'll compare quotes from our insurance providers to try and find the right cover for you.

Get a cruiser bike insurance quote >>>

You've got two options with your premium: paying in full upfront or spreading the cost over monthly instalments. It's important to understand, however, that this will cost more in the long run than paying upfront. Regardless, you'll see both cost options with each quote, so you'll know exactly what to expect either way.

We compare cover from various providers, which means that policy specifics vary. But we aim to help you to find cover including:

• Riding in Europe for up to 90 days
• Protection of your no-claims bonus (if you have one)
• Cover for any other bikes you own under a multi bike policy

You might want to add some extras for peace of mind on the road, such as:

• Helmet and leathers cover
• Breakdown cover
• Personal accident cover
• Legal expenses cover