IN THE UK riding a motorcycle without insurance will earn you a fixed penalty of £300 plus 6 points on your motorcycle licence. Furthermore, the police can seize your vehicle until you produce a valid insurance policy. If you fail to produce a policy, the police can lawfully destroy the vehicle even if it belongs to your brother/friend/dad. Quite simply, if the vehicle was on the road uninsured, the cops can snatch it and trash it. However, usually an uninsured vehicle can be recovered once an insurance certificate is produced. But you'll still be fined and will have your licence endorsed unless you can prove you were insured at the time you were stopped. If, however, your insurance policy was cancelled without you being told of the cancellation, that could be an acceptable defence against riding without insurance. Failing to be told can happen for a variety of reasons, such as a payment failure or an administrative error, or any number of reasons. But you won't be able to use this defence if the insurance company can show that it made reasonable attempts to contact you and warn you of the cancellation. So if a letter was sent to you and/or a text message or email, that might be sufficient to convince the police that the error was entirely yours. But if you can convince the cops that you had good reason to believe you were insured—such as when driving a company vehicle—that might also be acceptable. But the onus will be on you to prove your "innocence". Note that if you do have insurance, you will have up to seven days to produce your certificate—and even with ANPR (Automatic Number Plate Recognition) cameras, the police do make mistakes. Occasionally, a new/fresh insurance policy fails to be added to the official database. That might continue for hours, days or weeks. More serious issues If, however, your failure to be insured has more serious overtones, you could find yourself up before the beak. For instance, if you also have no driving licence and/or were shown to be doing something extremely reckless, that might be enough to elevate the fixed penalty to a trip to court. Increased insurance costs If you're penalised for riding without insurance, you'll be issued with an IN10 endorsement. This will follow you around for the next four years, and you'll be expected to advise any future insurance company of this fact. If you fail to disclose this information, it could invalidate any later insurance. And if you ever have your insurance cancelled, that will stay with you permanently. In other words, you will be expected to reveal this cancellation until you hang up your riding boots. Is driving without insurance a criminal offence? No. So you won't get a criminal record, or have it added to whatever criminal record you might have. Do I need to carry an insurance certificate when I'm out riding? No. Not in the UK. Other countries have different requirements. Do I need insurance when my bike is off the road?
No, not as long as you make a SORN declaration (Statutory Off Road Notification). Contact the DVLA.
Also, insurance isn't needed if a vehicle has been scrapped, has been stolen or has been exported, is
between registered keepers or motorcycle dealers, or is registered as ‘in trade’ with the DVLA. Generally speaking, just let the DVLA what's going on.
What type of motorcycle insurance do I need? If you're riding on the road, you need a minimum of 3rd party cover. That means that if you hit anyone else, they can recover damages from your insurance company—and remember that if you're uninsured, an injured party might come after you. 3rd party fire & theft is the next step up. You'll be covered here if your bike bursts into flame or gets stolen. Comprehensive cover, meanwhile, will protect you if you drop/damage/trash your own bike. But you need to check the small print and be sure of exactly what level of protection you have. What if I'm riding on private land? Do I need insurance? No. You need it only when members of the public can easily/lawfully access the land you're riding on. So if you're riding around a piece of public waste ground or a supermarket car park, you need insurance. But if you're scooting around your dad's field, you don't need insurance. But remember that this is a general guide. There might be hidden issues here. So if you're in any doubt, look for more information or talk to the cops or an insurance company. Do I need insurance simply to park my bike on the road? Yes, you do. If your bike is on a public road, it's "in use", so get it covered. Does that answer your question? 
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