In short
- AMV wins on cover and price: third-party cover from 180 euros per year on a reference 125cc (against 205 euros at April Moto), riding gear covered up to 2,000 euros from the first plan and 0 km roadside assistance included.
- April Moto scores on digital: a polished mobile app, claims filed in 2 taps and car bonus recognition worth up to 30% off.
- Both brokers cover motorcycles, scooters and quads. Online quotes are free at both: in a duel this tight, your profile is what settles it.
AMV or April Moto? The question comes up as soon as a French rider looks beyond mainstream insurers. Both brokers dominate the specialist two-wheeler market with a similar promise: real knowledge of motorcycle risk, third-party to fully comprehensive plans, and a quick online quote. Here is the criterion-by-criterion head-to-head, which should help every profile decide where to insure their bike.
AMV vs April Moto at a glance
Indicative pricing for a 125cc (motorcycle or scooter), 30-year-old rider, 2 years of licence, secure parking.
| Criterion | AMV | April Moto |
|---|---|---|
| Founded | 1974 (ex-Assurances Moto Verte) | 1988 (April group) |
| Customer rating | 4.7/5 (5,328 verified reviews) | 4.4/5 |
| Indicative 125cc price (third party) | €180/year | €205/year |
| Assistance | 0 km included | Capped at 50 km on entry plans |
| Gear (helmet, gloves, airbag) | Up to €2,000 from the first plan | Covered, lower caps |
| No-claims | Best of car or motorcycle history | Car bonus, up to 30% off |
| Vehicles covered | Motorcycle, scooter, 50cc, quad | Motorcycle, scooter, quad |
| Mobile app | Online account | Full app, claims in 2 taps |
Two specialist brokers, two stories
AMV Assurances is the elder of French two-wheeler brokers: founded in 1974, it now insures more than 1 million riders with 300 specialist advisers based in Bordeaux. Its strength is 50 years of motorcycle risk experience and the widest cover on the market, from 50cc to quad, which puts it on top of our ranking of the best specialist two-wheeler insurers.
April Moto is the two-wheeler arm of the April group, a broker created in 1988. It is AMV’s direct digital rival: a fully online journey, a polished mobile app and an aggressive car bonus policy that appeals to drivers switching to two wheels.
Pricing: advantage AMV
On the reference 125cc, AMV charges €180 per year for third-party cover where April Moto asks €205, roughly a 12% gap. The order holds on most common profiles but can flip depending on the bike and your history: the only reliable method is to get a free quote from both and compare like for like. Watch the side costs too: AMV charges instalment fees on monthly payments, April Moto makes you pay for a second rider.
To see how both brokers compare with the rest of the market, our guide to the best motorcycle insurance gives the full picture.
Cover and gear: AMV is more generous
This is the clearest gap of the comparison. AMV covers helmet, gloves and airbag vest up to €2,000 from the entry-level plan, where April Moto applies lower caps. When full riding gear easily tops €1,500, you feel the difference at the first claim. We break down this often overlooked point in our motorcycle gear insurance guide.
April Moto answers with a strong personal injury cover for the rider, a genuine plus to check line by line in the contract.
Assistance: 0 km versus 50 km
AMV includes 0 km assistance: a breakdown outside your front door is covered. At April Moto, entry plans cap assistance at 50 km from home, and you need a higher plan for full coverage. For daily urban riding, where the at-home breakdown is the most common scenario, the advantage is clear.
Bonus and new licences: it depends on your history
- Coming from a car: April Moto recognises your car bonus with up to 30% off, its best argument. AMV takes the best of your car or motorcycle record, which often lands in the same place.
- New riders: both accept recent licences, including on 125cc machines. Our comparison of 125 insurance for young riders shows the real gaps sit in gear cover and assistance, not the premium.
- Atypical profiles: big engines, quads, several vehicles… AMV covers wider (including 50cc) and is the first specialist to call to group several two-wheelers.
Customer experience: digital for April, humans for AMV
April Moto has the better online journey: a full app, claims in 2 taps, multi-plan quotes in one go. AMV relies on specialist advisers on the phone, and reviews back it up: 4.7/5 across 5,328 verified reviews and 9 out of 10 policyholders who recommend it, against 4.4/5 for April Moto. A human on the line makes the difference when a claim gets messy and the app is not enough. Neither has physical branches: everything is handled remotely at both.
Verdict: which broker for which rider?
- For most riders, AMV offers the better cover-for-money of the two: cheaper on the reference 125cc, 0 km assistance included, better gear cover and the highest customer rating on the market.
- April Moto remains a solid pick for a car driver with a full bonus switching to two wheels, and for riders who want to manage everything from an app without ever making a call.
- Either way, get a quote from both: it is free, fast, and it is the only comparison that truly matches your profile. French infra-annual cancellation rules let you switch insurer at any time after the first year.