The two-wheeler insurance market in France

The overall average premium for two-wheeler insurance in France is €290 excluding tax in 2025, up 4.6% on the year, according to France Assureurs, against €511 for a car insured under a single contract. With comprehensive cover, the average two-wheeler premium reaches €412: €137 for damage to the vehicle, €97 for third-party liability, €74 for rider insurance and €69 for theft.

In France, 97.5% of two-wheeler insurance contracts include rider insurance and 67.9% theft cover in 2025, according to France Assureurs, but only 47.0% include damage to the vehicle, against 66.1% for cars. Theft accounts for 16.2% of a two-wheeler’s premiums, twice as much as in motor insurance (8.4%). Rider insurance accounts for 25.0%, because the rider remains exposed in an accident they cause.

The frequency of thefts of insured two-wheelers in France falls by 14.5% in 2025, to 6.4‰, at an average cost of €3,327 (+2.1%), according to France Assureurs. The frequency of damage claims also falls (21.9‰, −5.6%), but their average cost rises to €2,599 (+4.6%). On repairs, the anti-waste law for a circular economy (Agec) has required motorcycle repairers to offer reused parts since October 2024, according to L’Officiel du cycle et de la moto.

L’Assurance Mutuelle des Motards (AMDM), dedicated solely to two-wheelers, reports €140m in revenue in 2024, 256,000 members, 358,000 contracts and 43 branches, according to Le Journal des entreprises, July 2025; it is now opening up to brokerage. That is roughly one tenth of two-wheeler premiums in France (calculation based on France Assureurs). Alongside the specialist mutuals, general insurers and brokers are expanding their offers, such as the Mutuelle d’Alsace Lorraine Jura with a deductible buy-back that also covers motorcycles.

Yes. In France, “every motor land vehicle intended to be driven on public roads must be insured, even when it is not being driven”, as Service-public.gouv.fr (the French government’s public information portal) points out, under the Code des assurances (articles L211-1 et seq.). Mopeds, scooters and motorcycles must therefore take out at least third-party liability cover. According to the Fonds de garantie des assurances obligatoires de dommages (FGAO, the French guarantee fund for compulsory insurance), two-wheelers account for 7.5% of the vehicles involved in the accidents it handled in 2025.

A PDF report in French, 2026 edition, organised in six chapters: definition and scope, market size and dynamics, demand and policyholders, supply and insurers, claims and regulation, outlook.

France Assureurs statistics, data from the Fonds de garantie des assurances obligatoires de dommages, official texts and trade press articles from the IndexPresse database. Every figure comes with its source and period.

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