In the UK, it is a legal requirement to have at least third-party insurance coverage for your motorcycle. This applies to all motor vehicles, including motorcycles, that are used or kept on public roads.
Third-party insurance provides coverage for injuries or damages caused to other people, their vehicles, or property in the event of an accident for which you are at fault. It does not cover damages to your own motorcycle or injuries you may sustain.
Driving a motorcycle without insurance is illegal in the UK and can result in severe penalties. If you are caught riding without insurance, you may face fines, points on your driving record, disqualification from driving, and in some cases, the seizure of your motorcycle.
Additionally, the Motor Insurers' Bureau (MIB) in the UK operates the Uninsured Drivers' Agreement, which ensures that victims of accidents involving uninsured drivers or untraced drivers are still able to make claims. This agreement is funded by the premiums paid by insured drivers.
Therefore, if you own a motorcycle that is registered and you intend to ride it on public roads in the UK, it is mandatory to have at least third-party insurance coverage in place to comply with the law and protect yourself and others in case of an accident.