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Motorbike insurance where size doesn't matter!
Whether you’ve got a massive chopper or a tiny crotch rocket, our motorbike insurance has got you covered.
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What is motorbike insurance?
Motorbike insurance is essentially your financial airbag for those moments when life decides to unexpectedly throw you off your bike. Not only does it cover the essential, though often overlooked, details like damage, theft, and liability, but it also steps in when things quite literally go sideways.
Whether you’re cruising on a Harley, weaving through traffic on a scooter, or channelling your inner action hero from a Fast & Furious scene, motorcycle insurance helps protect your wallet when your ride isn’t up for the task.
Moreover, since it’s legally required in most places, skipping it could lead to hefty fines or even awkward court appearances. All things considered, it’s best to gear up with the right coverage before hitting the road.
Looking for more specialised motorbike insurance options?
Whether you ride one bike or a whole garage-full, we’ve got cover that fits. Use the links below to explore the full range of specialist products we offer:
Motorbike insurance where size doesn’t matter
Multi bike insurance for garage hoarders
Classic motorbike insurance for retro riders
Trike insurance for three-wheeled warriors
Custom and modified bike insurance for the tweaked, tuned and totally unique
Scooter and moped insurance for urban zippers
Why choose BeMoto for you motorbike insurance?
At BeMoto, we know no two riders are the same. That’s why our motorbike insurance is built to fit your world, with flexible policies you can tailor to suit your bike, your mileage and your budget. We search our trusted panel of insurers to find you cheap motorbike insurance without skimping on cover, so you get great value without compromise. Add in multi bike discounts, no fees for changes and award winning service, and you’ve got the BeMoto difference.
Multi bike discounts
Cover your collection with a multi bike insurance policy to save time and money..
No amendment fees
Avoiding unexpected fees means more cash to spend on upgrading your gear!
Award winning service
We’ve been awarded Feefo’s Platinum Trusted service award five years in a row.
More reasons to insure your motorbike through BeMoto
When you insure with BeMoto, you’re getting more than just a policy. Our Titanium motorbike insurance comes fully loaded with UK & European breakdown assistance, cover for your helmet and leathers, and personal accident insurance as standard.
Want even more peace of mind? You can bolt on extras like Excess Contribution and Licence Defence for added protection.
Plus, with 24/7 claims support, UK-based call centres, prize giveaways, and exclusive perks, we’re here to look after bikers like no one else and help to fuel your passion.
UK call centres
24/7 claims support
£100k legal expenses
Modifications cover
90 day riding in Europe cover
Personal injury insurance*
Full breakdwown assistance*
Helmet & leathers insurance*
Licence defence insurance*
Excess contribution*
Offers & discounts
Prize giveaways
*Helmet & leathers cover, breakdown assistance, and personal injury insurance are all included as standard with our Titanium motorbike insurance (our most popular option). Excess Contribution cover and Licence Defence are available as optional extras.
What types of motorbike insurance do we offer?
Choosing the right level of motorbike insurance isn’t just about ticking a box, it depends on what you ride, how you ride, and what you want covered if things go wrong.
There are three main types of cover: Third Party Only (TPO), Third Party, Fire & Theft (TPFT), and Comprehensive. Each offers a different level of protection, from the bare legal minimum to full-fat, top-shelf peace of mind.
Here’s what each one actually means, no jargon, no faff.
Third Party Only (TPO)
Third Party Only (TPO) cover is the minimum insurance required by law to ride or park your bike on the public highways. It provides liability insurance for injury to other people or damage to their property caused by your motorbike.
Third Party, Fire & Theft (TPFT)
Third Party, Fire & Theft (TPFT) provides the same liability cover required by law as TPO, but also benefits from fire and theft cover too. It’s the middle ground between TPO and Comp, however it does not provide cover for accidental damage to your motorbike that is your fault. If you’re hit by a third party you can claim from their insurance.
Comprehensive Motorbike Insurance
Comprehensive motorbike insurance covers all the stuff provided by TPO and TPFT cover, as well as accidental damage to your motorbike. If you’re hit by a third party you can claim from their insurance directly, or you can claim from your policy and wait for the insurer to recover their losses.
How can you get cheaper motorbike insurance?
Want to keep your premium low without compromising on cover? These are some of the key factors that influence what you pay:
- Bike type and engine size: The faster or more desirable the bike, the more it usually costs to insure.
- Your age and experience: Newer or younger riders tend to pay more, while experienced riders with clean records are rewarded with lower premiums.
- Where you live and store your bike: Bikes kept in secure garages in low-risk areas usually cost less to insure than those parked on the street in busy urban zones.
- Annual mileage and usage: The more you ride, especially for commuting, the higher the risk—occasional or leisure riders may pay less.
- Security features: Alarms, immobilisers, trackers and secure locks can all help bring the price down.
Want a handful of quick tweaks that could actually make a difference? Check out our blog post: How to get cheap motorbike insurance: 9 smart ways to save for smart tips like adjusting your excess, protecting your no-claims discount, and being realistic about your mileage.
Motorbike insurance recommended by over 98% of our customers
With 16,000+ reviews across the web, we don’t need to blow our own trumpet, our customers do it for us. Rated 4.9 out of 5 on Google, with 98% of reviews giving us a big thumbs up.
Frequently asked questions about motorbike insurance.
What does motorbike insurance cover?
Motorbike insurance typically covers damage to your bike, third-party liability, fire, theft, and optional extras like helmet and leathers cover, breakdown assistance, and legal protection. With our flexible policies, you can tailor your cover to suit your riding style and needs.
What types of bikes can I insure with BeMoto?
We insure a wide range of bikes, including sports bikes, cruisers, touring bikes, adventure bikes, scooters, classics, customs, modified bikes, trikes, and even off-road and track bikes.
Do you offer multi-bike insurance?
Absolutely. BeMoto multi bike insurance lets you cover multiple bikes on one policy, with a single premium and one renewal date. You can mix and match all sorts, classics, customs, sports bikes, trikes, and more. Plus, you’ll benefit from multi bike discounts, making it a simpler and often cheaper way to insure your collection. Find out more about multi bike insurance.
Can I get motorbike insurance with no admin fees?
Yes. One of the things that makes BeMoto different is that we don’t charge mid-term amendment (MTA) fees. You can make changes to your policy—like switching bikes or updating your address—without hidden costs.
Do I need motorbike insurance for a bike that’s off the road?
If your bike is SORN’d (Statutory Off Road Notification), you don’t legally need road insurance—but it’s smart to have laid-up insurance to protect it from fire, theft, or damage while in storage. We offer that too.
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