About Non Road Insurance
NON ROAD INSURANCE FOR YOU AND YOUR BIKE
As motorcycle insurance specialists we love off road bikes as much as road motorcycles. This includes anything that's fun, even if it has more than two wheels, for example ATV insurance for unregistered and road-legal quad bikes and buggies.
We also have insurance for you to cover personal injury as a result of a sports accident, including riding bikes and quads on and off road (even amateur racing).
We have a range of different products below, uniquely designed for SORN motorcycles, track and race bikes, off-road bikes, quads and buggies.
SORN Fire and Theft Insurance
This product is designed for DVLA registered motorcycles, quads or trikes that are laid up and SORN in the garage, shed or lock-up (at home or rented storage elsewhere).
The vehicle must have a V5 registration form and must be registered under a Statutory Off Road Notice (SORN) with the DVLA.
For further details read our SORN Bike Insurance information.
Dirt Bike Fire and Theft Insurance (no V5)
Our dirt bike insurance is designed for off-road bikes and quads without a V5 registration form, which are often very difficult to buy insurance for without a log book, however we can help.
Where your Enduro, Motocross, Trials or Quad bike is worth over £2,000 you will need to complete an INF85 Off Road Registration Form, which simply registers an off-road bikes VIN / Chassis number with the DVLA, or fit a DataTag. You will have 28-days from purchasing cover to do this.
We can also offer "Daytime MOT" insurance to use your dirt bike on the road for green-laning etc (subject to appropriate age, experience and NCD).
Quad and Buggy Insurance
We can offer road-legal quad bike insurance and road-legal buggy insurance if they are registered for road use, or you can insure them without a V5 "log book" on our Fire & Theft insurance policy, which has an option for In Transit cover in a van or trailer when being transported to tracks and events.
For further information on road-legal quads and buggies: Quad bike rules and requirements.
Track and Race Bike Theft Insurance
We've all seen the news about WD40 and Tyco BMW bikes being stolen, but more often it's the amateur trackday rider or racer who loses out (a few of us have had bikes stolen from our garage). BeMoto track and race bike insurance provides fire, theft and malicious damage cover when securely stored in a garage, shed or lock-up.
Where your trackday or race bike is worth over £2,000 you will need to complete an INF85 Off Road Registration Form, which simply registers an off-road bikes VIN / Chassis number with the DVLA, or fit a DataTag. You will have 28-days from purchasing cover to do this.
We can also offer "Daytime MOT" insurance to use your track bike on the road in some circumstances (subject to appropriate age, experience and NCD). Obviously it needs to be road-legal, e.g. have a horn, reflector and proper road tyres etc.
Bike Trackday Insurance
Our unique bike trackday insurance is designed to insure your motorcycle for crash damage caused at any UK or European circuit, including the Nurburgring, with sensible excesses and discounts for multiple days or groups of mates.
Any bike, any value, any modifications can be covered, whether it's a road bike or a dedicated track or race bike. Get your knee down without worrying about your bike - relax and enjoy the day knowing you're bike is covered for accidents on track whether they are your fault or not.
Discounts also available for Trackday Addicts Group members.
Sports Injury Plans
No matter how tough or skilled you are, accidents can happen, that's why we offer personal sports injury insurance designed for bikers to ensure you're covered when riding for fun or competitively (racing as an amateur).
Many protection insurance policies exclude "dangerous sports" or "hazardous pursuits" - we've designed ours to cover exactly those sorts of fun things!
Guaranteed acceptance with no underwriting (immediate cover) and tax free lump sum payouts for accident related fractures, hospital stays, life changing injuries and even accidental death as a result of accidents at work, home or play.