There's no single "best" — only the best for you
Every "best motorcycle insurance" list picks a winner. We won't, because the honest answer is that the best policy is simply the one that covers your needs. A €900 daily-commuter scooter and a €14,000 touring bike want completely different things. Before comparing anything, decide which of these four matters most to you:
Cover level
Just the legal minimum, or protection for your own bike, theft and fire too?
Extra services
Roadside from km 0, a replacement bike, helmet & gear, legal defence, an app?
Price
The cheapest compliant policy, or more cover for a higher premium?
Support
Do you need everything handled in English when something goes wrong?
Once you know which lens matters most, the comparison below does the rest.
The three cover levels
Terceros (third party)
The legal minimum. Covers damage you cause to other people and property — not your own bike or injuries. Right for older, low-value bikes.
Terceros ampliado
Third-party plus theft, fire and usually legal defence. The middle ground most riders land on when the bike has real value but isn't new.
Todo riesgo
Fully comprehensive — also covers your own bike, with or without an excess (franquicia). Worth it for newer or high-value bikes.
Two things riders miss. Roadside assistance is normally included at every level — but not off-road. And your own injuries aren't automatic: the rider and each passenger need a personal-accident add-on (accidentes del conductor/ocupantes), typically from around €6,000 and upgradeable. It's standard on some policies (in the table below, Caser and Generali) and an optional extra on others (Allianz Direct, Reale) — so check before you assume you're covered.
Four policies, side by side
A feature comparison of four motorcycle policies available in Spain, prepared from each insurer's general conditions. Each product has several tiers; this shows each cover at its fullest available level, and whether it's standard, an optional add-on, or only in a higher tier. Figures are the standard maximums and are subject to your particular conditions and excesses.
| Cover | Caser ReMotoCaser | Generali MotosGenerali | Seguro de MotoAllianz Direct | Reale MotoReale Seguros |
|---|---|---|---|---|
| Compulsory third-party liability | Included | Included | Included | Included |
| Voluntary / supplementary liability | Up to €50M | Sum per policy | Up to €50M | Up to €50M |
| Legal defence & claims recovery | Own lawyer €1,500 · bail €6,000 | Own lawyer €3,000 · bail €35,000 | Own lawyer €1,000 | Insurer-led unlimited · own lawyer €1,500 |
| Traffic-fine appeals & alerts | Included | Included · unlimited appeals | Optional | Included · via ARAG |
| Driver personal accident | Included · capital per policy · medical unlimited in-network | €10,000 · all tiers | Optional · up to €18,000 | Optional · capital per policy · medical €3,000 |
| Roadside / travel assistance | Optional · from km 0 | Included · from km 0 · tow €240 · rescue €600 | Optional · Premium add-on | Optional · from km 0 (persons) |
| Fire | From Fire tier | From Completo tier | — | From base tier |
| Theft | From Extended tier | From Completo tier · incl. hurto | — | From Theft tier |
| Own damage / all-risk (with excess) | Top tier · incl. total loss | All-risk tier · €600 excess | — | Own-damage tier + total-loss tier |
| Vandalism | Own-damage tier | Own-damage tier | — | Own-damage tier |
| Broken glass (lunas) | Within own damage | Within own damage | — | Not covered |
| Helmet & riding gear | Optional · up to €1,500/yr · helmet €800 | — | €350/yr · helmet €250 | In driver accident · helmet up to €300 |
| Replacement motorcycle | Optional · courtesy bike €50/day, up to 30 days | Rental car €300 · via assistance | Rental car 24h · via assistance | Rental car €150 · via assistance |
| Withdrawal-of-licence subsidy | Optional | Points advisory only | Optional · €12/day, max €1,080 · +points course | Via points course |
| Standout feature | ReMoto device · auto accident-detection & rescue | MI GENERALI app · live tow tracking <1h | Fully digital · direct online insurer | ARAG + ASITUR · fine alerts & assistance |
| Extraordinary risks (Consorcio) | Included | Included | Included | Included |
Key: "Included" = standard in the relevant tier · "Optional" = add-on or higher tier · "—" = not offered. Compulsory-liability legal limits are €70M personal injury / €15M material damage for all, and Consorcio de Compensación de Seguros cover is statutory for all. Voluntary-liability and driver-accident capitals are set in each policy's particular conditions. Comparison prepared by Expat Insurances from each insurer's general conditions (Caser ReMoto, Generali ON Motos, Allianz Direct, Reale Moto) — for information only, not advice on suitability, and not a statement that any product is better for your circumstances.
What it actually costs
Motorcycle cover is usually cheaper than a car. Two real quotes we placed in 2026 (not "from" prices):
Velca Calima 125 (rider born 1967)
Third-party €143/year · fully comp with excess €264/year
BMW F 850 GS Adventure Rallye (rider aged 42)
Third-party €204/year · fully comp with excess €719/year
There's no fixed formula and no fixed "young rider" surcharge — the bike model, your claims record and each insurer's own scoring all move the price, and every insurer calculates it differently. Ignore any site quoting neat per-age or per-day tables; the only real number is a real quote.
How to actually decide
Two questions settle it faster than any comparison table. Answer them honestly and the right level usually picks itself.
What are you willing to spend?
Then get the most extensive cover you can for that budget — not the cheapest sticker price, and not gold-plating you'll never claim on. A slightly higher premium that adds theft, fire or your own-bike cover is often the smarter spend than bare third-party, if you can afford it.
How much do you actually ride?
Be realistic. If the bike sits in the garage for half the year and only comes out occasionally — a weekend here, the odd short ride — paying every month for todo riesgo rarely pays off; terceros or terceros ampliado usually fits. A daily commuter, or a new and valuable bike, is the opposite case: the more it's exposed, the more full cover earns its keep.
Rule of thumb: match the cover to the bike's value and how exposed it is, then buy the fullest version of that level your budget allows. An occasional-use, low-value bike rarely justifies full comprehensive; a daily or high-value bike usually does.
The legal and practical basics
Third-party is mandatory — and riding uninsured is expensive
Every bike, moped and scooter needs at least terceros. The fine runs from €601 (the minimum, for a bike that's parked/off the road) up to €3,005, with possible impoundment — and a repeat offence takes you straight to the top rate.
ITV — same schedule as a car
Your bike needs a valid ITV to be legally ridden and insured: no ITV for the first 4 years, then every 2 years (yearly after 10). An expired ITV can invalidate a claim.
Foreign licences & no-claims — as with cars
An EU policy is valid but may fall short of what you'd want here; UK cover is temporary post-Brexit; a resident or a Spanish-plated bike needs a Spanish policy. A foreign no-claims record can lower your premium if you provide clear written proof — how much varies by insurer.
Declare modifications
Aftermarket exhausts, performance parts or custom work must be declared. Undeclared modifications can void the policy when you most need it.
Not sure which cover level fits your bike?
Tell us the bike, how and where you ride, and what matters most — the lowest price, your own bike covered, or everything handled in English — and we'll quote the policy that actually fits, not the one with the biggest margin.
Real quotes, in plain English — no obligation.
