How can I lower my motorcycle insurance premium?

Build a clean claims record, park in a private garage, choose a smaller engine bike, and consider a higher voluntary excess.

What is the difference between third-party and comprehensive insurance?

Third-party covers damage to others only. Comprehensive also covers damage to your own motorcycle.

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Motorcycle Insurance Calculator

Estimate your motorcycle insurance premium based on rider profile, bike specs, and coverage level.

Versión en español

Rider Age

Motorcycle Value (€)

Engine Size (cc)

Years of Experience

Coverage Type

Parking Type

Claims in Last 5 Years

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How Motorcycle Insurance Premiums Work

Motorcycle insurance in Spain is mandatory for all road-legal bikes. The premium depends on several factors including the rider's age and experience, the motorcycle's value and engine size, the type of coverage selected, and your claims history.

Insurers use a bonus-malus system: a clean claims record lowers your premium over time, while at-fault accidents push it up. Young riders and powerful bikes carry higher premiums because of statistically higher accident rates.

Coverage Types

Third Party is the legal minimum — it covers damage you cause to others. Third Party + Theft adds protection if your bike is stolen. Comprehensive covers everything including your own damage in an accident.

Bonus-Malus System

Each claim-free year earns a bonus discount. At-fault claims add a malus surcharge. After 5+ clean years, you can save up to 50% on your base premium with most Spanish insurers.

Engine Size Matters

Scooters under 125 cc are the cheapest to insure. Mid-range bikes (126–500 cc) are moderate. Sport and touring bikes above 750 cc carry the highest premiums due to speed capability and repair costs.

Private Calculation

This calculator runs entirely in your browser. Your rider details, bike information, and results are never sent to any server.

Frequently Asked Questions

Yes. All motorcycles and scooters used on public roads in Spain must have at least third-party liability insurance (seguro obligatorio) by law.

The biggest factors are engine displacement (cc), rider age, claims history, and coverage level. A young rider on a powerful bike with past claims will pay significantly more.

Build a clean claims record, park in a private garage, choose a bike with a smaller engine, and consider a higher voluntary excess. Bundling with other policies may also help.

Third-party covers damage to others only. Comprehensive (todo riesgo) also covers damage to your own motorcycle, including collision, vandalism, and natural events.

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