The purpose of this paper is to find out people's perception of motorcycle insurance while comparing the perceptions of insurance companies' staff with that of their customers (the motorcyclists) and also find out the major causes of motorcycle accidents in Nigeria. A total of 140 respondents were sampled using the questionnaire. The Kolmogorov Smirnov test was used to test the hypothesis. Findings show a general negative perception of insurance services by the motorcyclist and a large disparity in the responses of the motorcyclists and the insurance companies' staff. The major causes of motorcycle accidents are also found to be over speeding, carelessness and poor driving skills.