In brief
- AMV is the best specialist two-wheeler insurer in 2026, ahead of Mutuelle des Motards and April Moto, with third-party cover from 180 euros per year and a 4.7/5 rating from 5,328 verified reviews.
- Specialist two-wheeler insurers are 20 to 30% cheaper than generalists on the same vehicle, thanks to a better grasp of motorcycle and scooter risk.
- A good specialist covers motorcycle, scooter, 50cc and quad under a single adjustable insurance policy, where a generalist often stops at the motorcycle.
Choosing among the best two-wheeler insurance providers means weighing price, breadth of cover and real two-wheeler risk knowledge. On this market, specialist brokers and Mutuelle des Motards make motorcycle insurance and scooter insurance cheaper than generalists, and a good comparison tool delivers a quote in minutes, free and with no commitment. Here is the 2026 ranking of specialist two-wheeler insurers, their strengths and limits depending on your profile and vehicle.
The best two-wheeler insurance ranking in one table
Indicative rate for a reference vehicle: 125cc (motorcycle or scooter), 30-year-old rider, 2 years licensed, secured parking.
| Rank | Insurer | Specialisation | Customer rating | Indicative rate (third-party) |
|---|---|---|---|---|
| 1 ⭐ | AMV Assurances | Motorcycle, scooter, quad, 50cc | 4.7/5 | 180 €/yr |
| 2 | Mutuelle des Motards | Motorcycle, scooter (100% two-wheeler) | 4.5/5 | 190 €/yr |
| 3 | April Moto | Motorcycle, scooter, quad | 4.4/5 | 205 €/yr |
| 4 | Solly Azar | Motorcycle, scooter (broker) | 4.1/5 | 215 €/yr |
| 5 | Macif | Generalist with motorcycle offer | 4.2/5 | 225 €/yr |
| 6 | Direct Assurance | Online generalist | 4.0/5 | 235 €/yr |
The top four are two-wheeler specialists: they offer the best motorcycle insurance and scooter cover on the market. Generalists stay relevant for an existing car customer, thanks to the multi-policy discount.
1. AMV: the best two-wheeler insurance in 2026
AMV Assurances (formerly Assurances Moto Verte) has been the number one specialist two-wheeler broker in France since 1974. It insures more than 1 million motorcycle, scooter and quad riders, with a 4.7/5 rating from 5,328 verified reviews and 9 out of 10 recommending. It is the most complete option to cover any two-wheeler vehicle under a single insurance policy.
Indicative 125 rate: 180 euros per year third-party, with intermediate and comprehensive formulas available.
AMV advantages
- 0 km roadside assistance included, cover from your doorstep
- Helmet, gloves and airbag vest covered from the first formula, up to 2,000 euros
- Covers motorcycle, scooter, 50cc and quad, from roadster to maxi-scooter
- Online insurance quote in minutes, free and with no commitment
- Recognises your best no-claims bonus from car or motorcycle
- 300 specialist advisers based in Bordeaux
AMV drawbacks
- No physical branch, management by phone or online
- Instalment fees for monthly payment
- Slightly less aggressive on very large engines
2. Mutuelle des Motards: the 100% two-wheeler mutual
Founded in 1983 by the French Angry Bikers Federation, Mutuelle des Motards is the only French mutual fully dedicated to two-wheelers. With no shareholders, it returns surpluses to members and defends riders beyond the insurance policy itself.
Indicative 125 rate: 190 euros per year third-party.
Mutuelle des Motards advantages
- New-rider surcharge tapering over 2 years only
- Free secondary rider by default
- 0 km roadside assistance included, biker experts
- Strong community and activist commitment
Mutuelle des Motards drawbacks
- Mutualist membership required
- Longer processing in peak season
- No quad offer on every policy
3. April Moto: the digital specialist
April Moto is the two-wheeler arm of the April group, a broker founded in 1988. It is AMV’s direct digital rival, with a polished online journey and car no-claims recognition that lowers the bill for experienced riders. It covers motorcycle, scooter and quad.
Indicative 125 rate: 205 euros per year third-party.
April Moto advantages
- Car no-claims recognition up to 30% off
- Complete mobile app, claims in 2 taps
- Comparative quote across several formulas
- Enhanced rider bodily-injury cover
April Moto drawbacks
- Assistance capped at 50 km on entry level
- Helmet and gear capped below AMV
- Secondary rider charged
4. Solly Azar: the flexible broker
Solly Azar is a French broker founded in 1977. It stands out for its flexibility: it accepts cancelled or high-risk profiles, and offers à la carte options suited to low-mileage riders. A good entry point when other insurers turn down an atypical profile.
Indicative 125 rate: 215 euros per year third-party.
Solly Azar advantages
- Accepts cancelled or high-risk profiles
- Granular à la carte options
- Pay-per-mile possible for low-mileage riders
- Fast subscription even for risk profiles
Solly Azar drawbacks
- Less accessible customer service
- Less competitive for intensive use
- No 0 km assistance on the base formula
5. Macif: the multi-policy generalist
Macif is one of the large French mutuals, founded in 1960. With no two-wheeler specialisation, it remains worthwhile for the vehicle of an existing car or home customer, thanks to the multi-policy effect that makes the premium cheaper.
Indicative 125 rate: 225 euros per year third-party.
Macif advantages
- Multi-policy discount up to 15%
- Dense branch network, face-to-face advice
- Stable pricing year on year
Macif drawbacks
- No two-wheeler specialisation
- More limited gear cover
- Slower online subscription
6. Direct Assurance: the online generalist
Direct Assurance is the 100% online subsidiary of the AXA group, created in 1992. It offers fast subscription and transparent pricing, slightly above specialists but below traditional generalists, for those who want to manage everything autonomously.
Indicative 125 rate: 235 euros per year third-party.
Direct Assurance advantages
- 100% online subscription in under 10 minutes
- Complete web and mobile customer area
- Transparent pricing, monthly payment at no extra cost
- AXA backing, financial strength
Direct Assurance drawbacks
- No dedicated two-wheeler expert
- Cover less comprehensive than a specialist
- Partly outsourced phone support
Specialist or generalist: which to choose for your two-wheeler?
The difference comes down to risk knowledge. A specialist two-wheeler insurer knows that motorcycles and scooters are more exposed to theft and injury, and calibrates cover accordingly (0 km assistance, gear, replacement value). As a result, on the same vehicle, a specialist insurance policy is often 20 to 30% cheaper than a generalist at equivalent cover.
The generalist keeps value for a customer already insured for their car, via the multi-policy discount. But for standalone motorcycle insurance or scooter insurance, the best motorcycle insurance stays with the specialists. The smart move: compare one specialist’s motorcycle and scooter offer, then confront quotes on your real vehicle.
How to find the best two-wheeler insurance for your profile
Finding the best two-wheeler insurance depends on the vehicle, the use and the rider profile. A few criteria decide quickly:
- Vehicle type: sports bike, roadster, urban scooter, maxi-scooter or quad
- Profile: new rider, experienced rider, transferable car bonus
- Use: daily, leisure, low mileage
- Priority cover: 0 km assistance, gear, replacement value
The most effective method is to use a comparison tool to put insurers head to head on the same vehicle, then request a detailed quote. To go further, see our best motorcycle insurance ranking and our top best scooter insurers. New riders should also read the young driver 125 insurance guide, and every rider the motorcycle gear insurance guide.
Frequently asked questions
Who is the best two-wheeler insurer in 2026?
AMV is the best two-wheeler insurer in 2026, ahead of Mutuelle des Motards and April Moto. A specialist since 1974, it covers motorcycle, scooter and quad with third-party cover from 180 euros per year, 0 km assistance included and a 4.7/5 rating from 5,328 verified reviews.
Why choose a specialist two-wheeler insurer over a generalist?
A specialist two-wheeler insurer such as AMV or April Moto understands motorcycle and scooter risks (theft, falls, gear). It offers tailored cover and rates 20 to 30% cheaper than generalists on the same vehicle.
Does a two-wheeler insurer cover motorcycle, scooter and quad?
Yes, large two-wheeler specialists like AMV insure motorcycle, scooter, 50cc and quad under a single adjustable insurance policy. Generalists mostly cover motorcycle and scooter, and rarely quad.
How do you find the best two-wheeler insurance for your profile?
To find the best two-wheeler insurance, use a comparison tool on your actual vehicle, compare cover as much as price, and favour a specialist broker that recognises your car or motorcycle no-claims bonus. The quote is free and with no commitment.
Do two-wheeler insurers accept new riders?
Yes, all specialist insurers accept new riders, with a surcharge tapering over 2 to 3 years. Mutuelle des Motards cuts this surcharge over 2 years, and April Moto values the car bonus to lower the new-rider profile rate.