Home-Based motorcycle insurance broker
Find riders the right cover by phone and online, working under an FCA-authorised network.
- £1k-5k
- Side hustle
- From home
- Licence or permit needed
Estimates for a small start in the UK, not guarantees.
Official data
8,071 UK companies in this field, 19% registered in the last 2 years
SIC 66220 “Activities of insurance agents and brokers”. Source: Companies House, November 2026.
What it is
You arrange motorcycle insurance for riders, comparing policies from a panel of insurers and placing the cover. Most newcomers start as an appointed representative of an FCA-authorised network or principal firm, which handles regulation and compliance support, rather than applying for their own authorisation.
Your first three steps
- Contact several FCA-authorised networks that take appointed representatives and compare their fees, training, commission splits and insurer panels
- Complete the network's onboarding and any required insurance qualifications or competence training
- Build a simple website and Google Business profile, then introduce yourself to local bike clubs, training schools and dealers
Who pays
Riders of all kinds, such as commuters, learners moving up to bigger bikes, classic and custom owners, and local riding clubs. The insurer pays you commission, and you may also charge the customer a fee where your network allows it.
How it makes money
Commission from the insurer on each policy placed and renewed, plus any permitted arrangement fees. Renewals can build a steady base over time, but income starts slowly.
Skills that help
- Clear, honest communication
- Attention to detail with policy wording
- Building trust with riders
- Comfortable with online marketing and quoting software
Watch out for
- Selling insurance is regulated by the FCA, so check you are properly authorised or appointed before you quote or sell anything
- Check what the network charges, what insurance and compliance duties apply, and what happens to your renewals if you leave
- Check data protection rules (UK GDPR) and whether you need to register with the ICO
- Check rules on customer advice, fair value and clear disclosure of commission and fees
- Check with your landlord, mortgage lender or council if you plan to work from home
Deep research report · UK
Everything you need to start: home-based motorcycle insurance broker
Researched with live web search for United Kingdom: real startup prices, the licences and rules, what others charge, a break-even example, how to find your first customers and a 30-day launch plan. With sources.
- Startup costs with real prices
- Licences, registration and rules
- Pricing: what others charge
- Break-even example
- Finding your first customers
- 30-day launch plan
- Risks and how to reduce them
Questions people ask
How much does it cost to start a motorcycle insurance broker business?
Startup costs are estimates, typically around £1,000 to £5,000, depending on the network you join, your software and your marketing. Check what the network charges, as fees and compliance costs can vary between principal firms.
Do I need FCA authorisation to sell motorcycle insurance?
Selling insurance is regulated by the FCA, so check you are properly authorised or appointed before you quote or sell anything. Also check what the network charges, what insurance and compliance duties apply, and what happens to your renewals if you leave.
How much can a home-based motorcycle insurance broker earn?
Monthly revenue is typically around £600 to £3,000, depending on how many policies you place, the commission insurers pay and any fees your network allows. These are estimates, and they assume at least about 12 hours a week.
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