Motorcycle Insurance Per Kilometer: Pay Only for the Distance You Ride
Ride when you want, pay for what you actually use. Discover how motorcycle insurance per kilometer can help you optimize your budget, especially if you only use your bike on weekends, holidays, or during sunny days.
Instead of a fixed annual premium, per‑kilometer insurance links your cost directly to your real mileage. A flexible, transparent and smart approach for riders who don’t rack up thousands of kilometers every year.
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Weather is unpredictable and your riding frequency changes throughout the year. Per‑kilometer motorcycle insurance gives you the flexibility to match your coverage to your actual usage, instead of paying like a daily commuter.
Even if few insurers clearly highlight this formula, it is a solution that increasingly makes sense in 2026 for occasional riders and multi‑vehicle households.
What Is Per-Kilometer Motorcycle Insurance?
Motorcycle insurance per kilometer is still a relatively niche product compared with traditional car insurance. Many companies do not openly promote this solution for motorcyclists, mainly because there are far fewer riders than car drivers and because motorcycle premiums are usually lower than car insurance premiums.
As a result, demand for a strict pay‑as‑you‑ride motorcycle insurance is still modest. However, the concept clearly makes sense: if you ride less, your risk on the road is logically lower, and your premium should reflect that. This is particularly interesting for:
- Motorcyclists who ride only in good weather or on weekends
- Owners of a second or third vehicle used occasionally
- Riders who alternate between car and motorcycle depending on the season
Even if your insurer does not explicitly advertise a “per‑kilometer” product, you can ask your broker about a mileage‑based formula or a specific discount linked to your low annual mileage. A professional broker can often negotiate a tailor‑made solution on your behalf.
How Does Per-Kilometer Motorcycle Insurance Work?
The underlying logic is very similar to that of certain car insurance products. When you subscribe, you declare the maximum number of kilometers you plan to ride over the insured period. Your premium is then calculated (or adjusted) according to this declared mileage.
A relationship of trust is established between the insurer and the policyholder. In practice, insurers rarely check your mileage during the contract. However, in the event of a claim, the company may ask for your motorcycle’s current odometer reading and compare it with the figure you initially declared. If there is a significant discrepancy, they may question the information provided at subscription.
Many companies already reward low mileage with premium reductions if you ride under thresholds such as 15,000 km or even 10,000 km per year. However, only a few offer a true per‑kilometer structure where your premium continues to decrease in line with your actual, declared mileage below these thresholds. This nuance is essential and should be clearly discussed with your broker before signing.
Key Advantages of Motorcycle Insurance Per Kilometer
Choosing a per‑kilometer formula can be particularly attractive if you want to control your budget without giving up quality protection. Here are some of the main advantages to keep in mind when discussing your options with an insurance professional.
Pay for What You Ride
Your premium is linked to your real or declared mileage, not to an average profile. If you ride less than the typical rider, you stop subsidizing those who are on the road all year long and can enjoy a fairer premium.
Perfect for Seasonal Use
Per‑kilometer insurance is ideal if you mainly ride in good weather or keep your motorcycle in the garage during winter. Your occasional use is reflected in the price instead of being treated like a full‑time commuting vehicle.
Negotiation Power
Even if an official per‑kilometer product is not available, your low mileage is a strong argument to negotiate a discount. A broker can leverage your driving profile to obtain better terms for both your motorcycle and your car.
Auto–Motorcycle Insurance: Combining Contracts to Reduce Your Premiums
Most insurers will offer significant reductions on your motorcycle insurance premium if you also subscribe to a car insurance policy with the same company. In some cases, the discount on the motorcycle premium can reach up to 60% of the standard premium, depending on your profile and coverage level.
Certain insurers even apply a double discount: one on the car insurance and another on the motorcycle insurance. For example, you might obtain around 50% off your motorcycle premium and 15% off your car premium. When combined with a low‑mileage profile, this can generate substantial savings over the course of a year.
Do not hesitate to discuss your yearly mileage for each vehicle with your broker. By highlighting the fact that you drive fewer kilometers than the average policyholder—whether on two or four wheels—you strengthen your position to negotiate a better rate, more adapted coverage and, when possible, a true per‑kilometer structure.
Ready to Optimize Your Motorcycle Insurance Per Kilometer?
Discuss your mileage, your vehicles and your budget with a specialist to identify the best combination of coverage, discounts and per‑kilometer options in 2026.