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Frequently Asked Questions

We hope that the FAQs below are helpful. If you cannot find the information you are looking for, please call us on 01733 907000* or email helpme@bemoto.uk and we would be happy to answer any questions (you can also find links to other useful pages including the Insurance Product Information Documents (IPID), at the bottom footer of this website).

FAQs below for:

Comparison Site FAQs

  1. Is it cheaper to buy insurance online or come directly to the provider?

    It is usually cheaper to call BeMoto and speak to us. Website quotes can be quick and convenient for very standard “vanilla” risks, but they cannot ask all the questions a human can in order to tailor a quote for your specific circumstances, e.g. understanding your riding experience and bike history, discussing your modifications, or providing more information about your bike storage and security.

  2. What are the advantages of a price comparison website?

    Price Comparison Sites offer convenience and a quick comparison of prices, however they are not as good at comparing product or service quality. Neither are they as useful for non-standard risks, such as modified bikes. Price Comparison Sites make a lot of assumptions to ensure their journey is slick but these assumptions may get a quicker quote but they can also be important information that needs to be accurate.

  3. What are the disadvantages of a price comparison website?

    Price Comparison Sites make a lot of assumptions to keep the quote process quick and convenient, but this is not always the best thing to do, likewise, they are not very good at asking for more detailed information to get a better assessment of your personal situation.

    At BeMoto, we have real humans who will tailor a quote for your specific circumstances, e.g. understanding your riding experience and bike history, discussing your modifications to ensure they are covered, or getting more information about your bike storage and security.

  4. Are BeMoto’s products on price comparison sites different from the ones from its own website?

    No. They are the same quality products and customer service, with no amendment fees to make changes and some awesome benefits with our Titanium Cover. However, it is often better to speak to us directly as we can ask all those questions a website doesn’t, e.g. your riding history and bike experience or modifications, to tailor a product that better meets your needs and may actually end up being cheaper.

  5. How much extra does Multibike policies cost?

    Multibike insurance can start from around £80 for two classic bikes, but in reality most people have a mix of bike types and values, e.g. mixing modern and classics, some have larger motorbike collections (we don’t have any limits to the number of bikes) and others have high value machines that will clearly cost more.

    BeMoto Multibike Insurance is probably the most flexible package in the market, we will mix all sorts of bikes, ages of bikes, bike values and even SORN or unregistered bikes (off-road or track for example).

  6. Do you save money on multibike policies because you can only ride one bike at a time?

    Yes. Once we work out the “main” bike (the highest rated), which covers the main road-risk premium, we then add the others at a nominal charge based on their value. Whilst you can only ride one at a time, they can all be stolen or damaged in a fire at the same time…

  7. Can you add multiple riders to a multibike insurance policy?

    In theory, no. It is multi-bike or multi-rider, so it would require individual policies. However, we can often tailor a package that feels like a multibike insurance product with one renewal date, one Direct Debit and benefiting from Titanium Cover for all bikes, but with separate policies and mirroring your No Claims Discount (or No Claims Bonus to some).

  8. How much does motorbike insurance cost?

    Motorbike insurance can start from around £70 for classic bikes, but in reality it can vary significantly based on your personal circumstances, e.g. the value of your bike, your age and riding experience or bike history, modifications, where you keep it and what security is in place… Not to mention things like your claims history or any convictions.

    The best way to get a good deal, with the right balance of price and quality, is to speak to a specialist like BeMoto Bike Insurance, who will tailor a quote to your needs and ask all those questions a website can’t to better understand your situation. By calling us directly, you will also ensure you are properly covered for things that some comparison websites might “assume” incorrectly about you or your bike, e.g. they may assume it is not modified when we all know 80%+ of bikes have been personalised…

Help and Support

  1. What is the phone number to get a motorcycle insurance quote?

    For a new motorcycle insurance quote, call BeMoto on 01733 907000 to speak to a bike insurance specliast.

    Opening hours for phone quotes are 9am to 7pm weekdays and 9am-5pm on Saturdays (closed Sundays).

  2. What is the phone number to amend my BeMoto motorcycle insurance?

    To make a change to your BeMoto insurance policy, call us on 01733 907001.

    Opening hours for phone service are 9am to 7pm weekdays and 9am-5pm on Saturdays (closed Sundays).

  3. What is the phone number to renew my BeMoto motorcycle insurance?

    To discuss your BeMoto insurance renewal, call us on 01733 667857 to speak to a bike insurance specliast.

    Opening hours for renewals are 9am to 7pm weekdays and 9am-5pm on Saturdays (closed Sundays).

Trackday FAQs

  1. Does motorcycle insurance cover track days?

    Standard road insurance policies typically excludes cover for damage caused when riding your motorbike on a track day.

    However, with BeMoto Trackday Damage Insurance you can cover accidental damage to your motorcycle on a UK or European circuit, whether the incident is your fault or not. It can cover repair costs if it is repairable, or a market value cash settlement to replace your bike if it is written-off (a total loss).

    As you'd expect, there is an excess deduction, typically about 10-15% of your bikes value, so you still get about 85-90% of the market value after a claim is settled.

  2. How much does motorcycle track day insurance cost?

    BeMoto track day insurance covers you for accidental damage to your bike on a UK or European circuit. It is a per-day policy, not an annual one.

    You can buy cover for a single day, or a block purchase of consecutive days for a Euro trip, i.e. 3 or 4 days on track at Almeria. Costs are based on your bikes value and an excess deduction applies (usually around 10-15% of your bikes value).

    See our table showing example motorcycle track day insurance costs.

  3. BeMoto track day insurance

    BeMoto offers various track insurance products for track day riders and amateur racers:

    • Motorcycle Track Day Damage Insurance (UK and EU circuits)
    • Track Day Travel and Repatriation Insurance (emergency medical and repatriation costs)
    • Track Day Personal Injury Plans (tax free lump sums for fractures or worse)
    • Track Bike Theft Insurance (optional "In Transit" cover)
    • Race Van Insurance (converted vans for transporting your bike and sleeping at track)
    • Day Time MOT Insurance (road-legal track bikes)

  4. Does Trackday Insurance affect my No Claims Bonus (NCB)?

    In a word, No. As it is not a road insurance policy, track day damage insurance is treated differently to road insurance, e.g.

    • A trackday claim does not need to be declared to your road insurer
    • A trackday claim will not be notified to the claims underwriting exchange (used by road insurers to search your claims history)
    • A trackday claim does not affect your No Claims Discount (NCD)

    It will not go against you in any way, although you may take some ribbing from your mates and have some damaged pride!

Classic Bike Insurance FAQs

  1. Is classic bike insurance cheaper?

    Generally yes, classic motorbike insurance is cheaper as they are typically used less often and cover less miles, in addition they are often ridden more carefully to avoid damage and often on sunny days only (no icy and salty roads) - classic bikes aren't stolen as frequently either.

    For this reason the premiums are often cheaper and the excesses are lower, usually starting at £50 or £100.

    However if you want to ride the bike every day and commute to work, doing over 3,000 miles per year for example, then it may not attract the cheapest classic bike insurance premiums as it is being ridden like any "everyday" bike.

  2. What age is classic bike insurance?

    The age a bike must be to qualify forclassic bike insurance can vary but generally they start at 20 years old on some of our schemes, with others not kicking in until the bike is older, for example old enough to not require an MOT and qualify for free road tax (also known as Vintage Bike Insurance).

    We also have products designed for modern classics and future classics, for example modern bikes that are iconic or rare and are treated with care or not ridden much (if at all), which will eventually be classed as "classics" in the future.

  3. Can I get agreed value bike insurance?

    BeMoto Classic Motorcycle Insurance offers FREE Agreed Value service for classic, vintage and custom bikes on request. We do not charge a fee for this service and will require some photos of the bike from various angles to assess with the insurer the bikes condition and confirm the value is reasonable. As an added benefit, there are NO Amendment Fees to make changes either.

  4. How much does motorbike insurance cost?

    Motorbike insurance can start from around £70 for classic bikes, but in reality it can vary significantly based on your personal circumstances, e.g. the value of your bike, your age and riding experience or bike history, modifications, where you keep it and what security is in place… Not to mention things like your claims history or any convictions.

    The best way to get a good deal, with the right balance of price and quality, is to speak to a specialist like BeMoto Bike Insurance, who will tailor a quote to your needs and ask all those questions a website can’t to better understand your situation. By calling us directly, you will also ensure you are properly covered for things that some comparison websites might “assume” incorrectly about you or your bike, e.g. they may assume it is not modified when we all know 80%+ of bikes have been personalised…

GAP Insurance FAQs

  1. Whose name should I put my Motorbike GAP Insurance policy under?

    The person named in the BeMoto GAP Insurance 'Policy Certificate' must be the registered keeper of the Motorbike in respect of Contract Hire/ Lease Finance and the authorised User of the Motorbike and (if applicable) who is named in the Finance Agreement.

  2. Does a Private Plate affect when I buy Motorbike GAP Insurance?

    No. You can still purchase BeMoto Motorbike GAP Insurance immediately using the original registration.

    Once your private plate is fitted to the motorbike please advise us of the new details and your records will be updated free of charge.

  3. My Comprehensive Insurer is offering me a 'new for old' replacement for the first 6 months, why do I still need Motorbike GAP Insurance in the first year?

    There may be instances where your insurer reduces your settlement to market value only within this 'new for old' period. This can be for a variety of reasons, which include things like exceeding the annual mileage limits, adverse condition of the motorbike, because the motorbike has been stolen rather than being involved in an accident or if a replacement motorbike cannot be sourced within a certain number of weeks of the incident.

    In addition, you only have 180 days from the start of bike ownership to purchase your Motorbike GAP Insurance policy. Once your 'new for old' period passes, if you choose not to have GAP insurance in the first 6 months and 180 days pass, you will be left with just your insurance pay-out for the remaining period of ownership and could be left with a shortfall 2, 3 or 4 years down the line.

  4. If my motorbike is written off by an uninsured driver, will my GAP Insurance pay out?

    BeMoto Motorbike GAP insurance is conditional on you holding a Comprehensive bike insurance policy for the duration and your claim being settled by your insurer - even if they recover costs from a third party (at fault).

    If the third party is unknown, e.g. a hit and run, in most cases your insurer will settle your claim in the absence of a third party policy, then subsequently try to recover their losses from the Motor Insurance Bureau (MIB).

    As long as your insurer pays out, then this policy will also make a settlement.

  5. Are Named Riders covered by my Motorbike GAP Insurance policy?

    All named riders on your main comprehensive motorbike insurance policy are covered on our Motorbike GAP Insurance; however, GAP claim settlement is always conditional on your main motorbike insurer settling your total loss claim.

    Anyone riding your motorbike under their own motor insurance or on a temporary/short term motor insurance policy will NOT be covered.

  6. What happens to my GAP Insurance if I change my motorbike mid term?

    If, having purchased a BeMoto Motorbike GAP Insurance policy, you sell your bike, provided that no claim has been made under this insurance, you can transfer the remaining cover to the eligible replacement bike (if it is an eligible bike and worth more than the original, an additional premium may be required).

    A new Policy Schedule will be issued confirming the replacement bike details. Cover will not include any refinancing.

  7. Is my GAP Insurance valid if I take the motorbike abroad?

    Yes BeMoto Motorbike GAP Insurance covers you if a Total Loss occurs within Great Britain, Northern Ireland, Isle of Man, Channel Islands, Member Countries of the European Community, and any other country for which an international motor insurance Green Card in respect of the Motorbike is effective at the Date of Loss, and provided that your main motor insurer settles your claim.

  8. Are dealer fitted accessories included in my Motorbike GAP Insurance cover?

    Yes, dealer fitted accessories are covered by BeMoto Return to Invoice (RTI) Motorbike GAP Insurance, provided that they have been paid for at the same time and fitted at the time of purchase by the dealership, or unless included in the motorbike manufacturer’s original specification (i.e. any option fitted at the factory).

    Whilst this policy doesn't decline claims for aftermarket modifications you make once it leaves the factory / dealership (or made by previous owners and garages), these costs aren't included in claims because the policy is designed to cover the original invoice price, not modifications made after the bike has been purchased.

    So put simply, BeMoto GAP Insurance:

    • Covers factory fitted options as standard
    • Covers dealer fitted accessories (as long as they were paid for on the same invoice)
    • Does not penalise you for aftermarket alterations (although we won't pay for them either)

  9. When can I buy a Motorbike GAP Insurance policy?

    You can buy a BeMoto Return to Invoice (RTI) Motorbike GAP Insurance policy within 180 days of purchasing your motorbike from a VAT registered dealership or garage. The bike should be less than 8 years old at the time of purchase and have less than 120,000 miles on the clock.

  10. How much Motorbike GAP Insurance cover do I need?

    Motorbike depreciation is not an exact science because rates can be affected by the retention values of different bikes. Other factors include; mileage, condition, and general marketability at the time of a total loss. Many GAP policies ask you to pick a cover level for the size of gap you want to insure.

    However... BeMoto Motorbike GAP Insurance has been made simple to ensure you don't get caught out trying to calculate how much cover to purchase! Just choose the correct value band for your original bike purchase cost, including dealer fitted modifications, and your GAP cover is unlimited up to that chosen amount - so if your bike was £20,000 and you select £15,000-£20,000 level you are covered for any size gap up to the £20,000 you paid.

  11. Will GAP insurance cover the full value of my motorbike?

    BeMoto Return to Invoice (RTI) GAP Insurance is designed as a “top-up”. Your main motorbike insurer will pay a settlement of market value and the GAP insurance will pay the shortfall back to your invoice price. So whilst it doesn’t cover the full value, it does do exactly what it’s meant to in covering the shortfall or “gap”.

    Whilst you can choose the level of cover or value limit of the shortfall, your GAP policy should only be required to match the shortfall between your insurer’s settlement and either:

    • The invoice price of your motorbike
    • The outstanding finance balance
    • The outstanding rental

  12. ​How to Make a BeMoto GAP Insurance Claim

    In the event of a possible claim under this policy, initially you should ensure that you have made a claim on your main motorbike insurance policy, then please follow the claims procedure set out below with written notice of the facts on which the claim is based, to be provided to the GAP Claims Administrator within 30 days of the date of the Total Loss.

    If such notice should not be given within such period or any extension agreed by the Insurer, no payment under this policy will be granted.

    Claims Procedure:

    Contact the Claims Administrator: Bankstone Ltd, Holroyds Mill, Old Lane, Halifax, HX3 5WQ or by telephoning 0330 2020 660 or emailing claims@bankstone.co.uk with the following additional information:

    • Your name, address and postcode
    • A daytime contact telephone number
    • The Policy reference number
    • The Scheme reference number – LPGBTE217
    • Details of the Vehicle

    The Claims Administrator will then advise You how to proceed with Your claim. Please quote Your policy number in all correspondence.

Motorcycle Road Insurance FAQs

  1. What is a motorbike insurance excess?

    An excess is a contribution you are required to pay towards a claim you make on your motorcycle insurance policy, for example if you have a £250 excess you will pay the first £250 of a claim for fire, theft or accidental damage.

    There is typically no excess on a Third Party Only bike insurance policy as you cannot claim for your own motorbike damage.

  2. What types of motorcycle can I insure with BeMoto?

    BeMoto is owned by bikers with an experienced team and a very wide range of products that cover all types of motorcycles (any type, age or value) - on or off road.

    We particularly love modified bikes and multi-bike collections, as well as off-road bikes for track and dirt. Check out our range including:

    To name a few...

  3. Do BeMoto do travel insurance?

    Yes, BeMoto offers travel insurance for bikers who want to tour in Europe, take part on overseas trackdays or off-road riding (whether that's Enduro, Motocross or cross-country adventure riding).

    Most normal travel insurance policies exclude cover for riding large capacity motorbikes overseas, in other words they'll cover you for riding a 50cc moped or 125cc scooter but nothing more, so if you decide last minute to jump on a quad tour or hire a cruiser for the day you may not be covered for emergency medical and repatriation costs unless you buy specialist cover like ours.

    BeMoto Travel and Repatriation Insurance (often known as "Repat") is also widely used for Euro trackdays and dirt bike holidays, including amateur racing events if you choose the additional options/packages on our policy - no cover is available for professional racing overseas.

  4. How can I get cheaper motorbike insurance?

    Clearly it's not as easy to change some things that affect your motorbike insurance premiums, like your age or where you live, but there are things you can do to cut the cost of your bike insurance policy, such as:

    • Choose a broker like BeMoto who don't charge you amendment fees to make policy changes (it's not all about the up-front cost).
    • Improve your bike's security, for example installing an approved alarm or tracker.
    • Keep your bike in a locked building, even if it's only a wooden shed, outbuilding or in your home conservatory if you don't have a traditional garage (subject to some building security).
    • Think about the mileage you really need, e.g. why pay for 10,000 miles when you only use it on sunny Sundays? However at BeMoto as we don't charge you an amendment fee you can increase your mileage later if needed with minimal hassle.
    • Pay for cover annually rather than pay instalment interest - however ours is one of the lowest interest rates in the market if you need to pay monthly.
    • Combine your bike collection together on a multi-bike policy, afterall you can only use your no claims bonus once and you can only ride one bike at a time...
    • Pass an advanced riding qualification such as the Institute of Advanced Motorists (IAM), Enhanced Rider Scheme (ERS) and RoSPA Advanced Motorcycle Training.
    • Choose the right bike for your experience, type of use and where you live, i.e. if you have no prior riding experience maybe aim for a well recognised starter bike like a 600cc naked/commuter vs. a high performance sports bike or hyper-naked, likewise a high value bike will often require a locked building.
    • Increasing your voluntary excess often gives better discounts, but you need to be sure you can afford to lose that money in the event of a claim.

    Why not check out our article on how bike insurance is calculated for more information.

  5. Who has the cheapest motorcycle insurance?

    It's a subjective question but if you're looking for the cheapest price and not bothered about the quality of cover then a comparison place will answer this question.

    However if you care about you and your bike(s) being covered with good quality products and receiving awesome service then BeMoto is widely recognised as offering these benefits... Plus we are competitive, otherwise we wouldn't have thousands of satisfied customers on our books.

    • NO amendment fees for policy changes at BeMoto (cheap can come at a cost later on elsewhere)
    • Legal Expenses Insurance included with all road policies
    • Incredible value Titanium Cover (market leading cover)
    • Multi-Bike specialists for all bike types

  6. Who is best for motorcycle insurance?

    That's easy. We think BeMoto are the best for motorbike insurance.

    • Privately owned and run by bikers (not some faceless corporation).
    • NO amendment fees to make policy changes!
    • Legal Expenses Insurance included with all road policies.
    • Modifications experts (we actually cover declared modifications too).
    • 90-days European cover per trip
    • 5-star rated service (the best scores on multiple review sites)
    • Multi-bike specialists for any bike type, value, age including modern and classics

  7. How much does motorbike insurance cost?

    Motorbike insurance can start from around £70 for classic bikes, but in reality it can vary significantly based on your personal circumstances, e.g. the value of your bike, your age and riding experience or bike history, modifications, where you keep it and what security is in place… Not to mention things like your claims history or any convictions.

    The best way to get a good deal, with the right balance of price and quality, is to speak to a specialist like BeMoto Bike Insurance, who will tailor a quote to your needs and ask all those questions a website can’t to better understand your situation. By calling us directly, you will also ensure you are properly covered for things that some comparison websites might “assume” incorrectly about you or your bike, e.g. they may assume it is not modified when we all know 80%+ of bikes have been personalised…

  8. What is the difference between a Compulsory and Voluntary Excess?

    A compulsory excess is a mandatory amount that an Insurer has specified to underwrite a particular policy. A voluntary excess is your own choice and is always in addition to a compulsory excess. So for example if your compulsory excess is £300 and you have chosen a voluntary excess of £100, your total excess is £400.

    Selecting a voluntary excess may help to further reduce your insurance premium, please make sure that you are comfortable with the total excess.

  9. What is No Claims Discount (NCD)?

    A No Claims Discount (NCD), or No Claims Bonus (NCB), is a count of the number of years in which you haven’t made a claim on your motorcycle insurance policy. For each claim free year you will be awarded 1 years NCD. Accumulating NCD may help to reduce your premium as well as opening up an insurer's acceptability to insure you on certain motorcycles.

    Your NCD needs to have been earned on a UK motorcycle insurance policy, be no more than 2 years old and be available to use (you can't use it on more than one policy).

    When you have 4 or more years NCD you can add NCD Protection for an additional premium.

    Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.

  10. What is Protected No Claims Discount (PNCD) cover?

    If you have accumulated 4 or more years NCD and have no more than one claim in the past five years, you can protect your NCD by paying an additional premium.

    If you have no more than 2 claims in any 5-year period, your NCD entitlement will be unchanged and your NCD will not be reduced. If you make 2 claims in any 5-year period your NCD protection will end, meaning that the third and any further claims will reduce your NCD

    Protected NCD does not protect the overall price of your policy. The price of your policy may increase following an accident even if you were not at fault, however it does ensure your no claims discount is not reduced, further impacting your renewal premium.

    Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.

  11. Can I use my Car No claims bonus / discount on my motorbike insurance?

    In summary no, the NCD needs to be built up on a motorcycle. However in some circumstances we may be able to take NCD not built up on a motorcycle into account, we ask for details of other non motorcycle NCD on our quote journey so please make sure you provide details.

  12. I have purchased a second motorcycle and want to take out a policy, can I use my NCD?

    You can only use one set of NCD on one motorcycle at a time. If you do not have a second set of NCD please call us as we may be able to offer you a multi bike policy or apply a discount to recognise your experience.

  13. Does my policy cover me for riding other motorcycles?

    It is quite common to get cover for Riding Other Bikes (third party cover only within the UK) included in BeMoto motorbike insurance policies, however this can vary depending on factors, for example: your bikes engine size, the type of cover you have chosen or your occupation.

    Please check with our insurance representative to see if this cover applies to you. It is best to check this when you get a quote, take out or renew your policy as it may require us to change the insurer we use for your policy to get this cover if it is important to you.

    It will show on your Certificate of Insurance if you have this cover and is only valid within the UK - if you want a mate to ride your bike or you ride theirs overseas then you will need to add each other as named riders on the policy.

  14. Does my motorcycle insurance policy cover me for riding abroad?

    BeMoto motorcycle insurance covers you to legally ride in any country which is a member of the European Union and any country which meets Article 8 of EC Directive number 2009/103/EC (insuring civil liabilities arising from using a motor vehicle).

    • Third Party Only Cover is included as standard in these countries;
    • We also extend your cover for up to 90-days per trip for Fire & Theft (where you have TPFT cover) or Fire, Theft & Accidental Damage (where you have Comprehensive cover).

    Post-Brexit you are still able to ride in these countries as standard (take a print out of your insurance certificate with you). However you may need may need other paperwork like an International Drivers Permit (IDP) from the Post Office. Check out our useful Guide to Riding in Europe.

    Outside of Europe you may need a Green Card, subject to your insurer covering the countries on your trip - call us on 01733 907001 to find out which countries your insurer will cover and to request a Green Card with plenty of advance notice (don't leave it until the day before you go)!

  15. Do I need to declare non motorcycle claims or driving convictions?

    Yes, you must declare any claims or driving convictions irrespective of the vehicle they relate to. In some circumstances, subject to criteria, we may be able to waive the impact to your motorcycle insurance policy.

Multi Bike Insurance FAQs

  1. How is a Multi Bike Insurance quote calculated?

    Our multi-bike insurance experts start by calculating which of your motorbikes is the highest rated by our panel of insurers, using the same No Claims Discount (NCD) for each bike. You then pay the premium to insure the highest rated motorbike, which includes your NCD and we add on the other bikes at a nominal cost based on their value.

    As your NCD can't be used on multiple bikes at the same time, the additional bikes are added to your policy at a discounted fixed price on the understanding that only one bike can be ridden at a time, but they could all be stolen together when not in use or a garage fire could destroy them all at the same time - so you are only paying for one lot of road risk whilst still covered for the full value of your collection.

  2. Can you add multiple riders to a multibike insurance policy?

    In theory, no. It is multi-bike or multi-rider, so it would require individual policies. However, we can often tailor a package that feels like a multibike insurance product with one renewal date, one Direct Debit and benefiting from Titanium Cover for all bikes, but with separate policies and mirroring your No Claims Discount (or No Claims Bonus to some).

  3. Do you save money on multibike policies because you can only ride one bike at a time?

    Yes. Once we work out the “main” bike (the highest rated), which covers the main road-risk premium, we then add the others at a nominal charge based on their value. Whilst you can only ride one at a time, they can all be stolen or damaged in a fire at the same time…

  4. How much extra does Multibike policies cost?

    Multibike insurance can start from around £80 for two classic bikes, but in reality most people have a mix of bike types and values, e.g. mixing modern and classics, some have larger motorbike collections (we don’t have any limits to the number of bikes) and others have high value machines that will clearly cost more.

    BeMoto Multibike Insurance is probably the most flexible package in the market, we will mix all sorts of bikes, ages of bikes, bike values and even SORN or unregistered bikes (off-road or track for example).

  5. Why choose BeMoto for your Multi-Bike Insurance policy?

    BeMoto is a multi-bike insurance specialist with flexible packages designed around you and your collection. There is no limit to the number or types of bikes we can cover, we will create a package around your needs. Our policies all include Legal Expenses Insurance as standard, plus there are NO fees to make policy changes and our Titanium Cover provides breakdown for all your bikes on a single policy saving you time, hassle and money.

  6. How does Multi-Bike Insurance work?

    You can only use one No Claims Discount (NCD) on one bike policy at a time, so insuring each bike separately can end up being much more expensive when you have to use zero NCD for additional policies.

    At BeMoto we can tailor a multi-bike insurance package to suit your needs using your one lot of NCD, no matter how many bikes you have, what type of bikes are in your garage (we can mix modern and classics) or what the total value of your collection is. We simply work out the main bike premium and add the additional bikes for a fixed cost based on each additional bike value.

    Why not read our article to find out more about how multibike insurance is calculated.

  7. Can you mix modern and classic bikes on a multi-bike policy?

    Simple answer... Yes you can with BeMoto.

    Mix modern and classic bikes with BeMoto multibike insurance where our policy is designed around your needs for whatever bike collection you have, including modern and classic road bikes, SORN and laid up bikes, even off-road and track bikes that are unregistered.

    Classic and custom builds can also have Agreed Value for no additional charge, once we have seen photos we can agree a valuation with you before applying an endorsement.

  8. Can you insure two or more motorbikes on one policy?

    As bike insurance specialists, BeMoto can insure any number of motorbikes as a multibike insurance package, including mixing modern and classics, road use and SORN bikes etc. Typically, you cannot have multiple riders on a multibike insurance policy, so you get significant discounts on any additional bikes - afterall you can only ride one bike at a time - however if you have a household of riders and bikes we can also work with you to create a package that gives you the best of both worlds.

    See our feature on how multi-bike insurance is calculated.

  9. How many bikes can be covered on a Multi-Bike policy?

    At BeMoto there is no limit to the number or variety of bikes we can insure on ourmulti-bike insurance packages as they are tailored to meet your requirements. We can also insure collections on our SORN insurance policy too, wether they have a V5 or not (including unregistered dirt and track bikes).

    We have customers ranging from two bikes to collections with 40+ either in a private garage or storage lock up. So why not give us a call on 01733 907000 and discuss your multi-bike needs with one of our specialists.

    You could also try our multi-bike switching service for larger collections to save you time and hassle as well as saving money...

  10. How much does Multi Bike Insurance cost?

    BeMoto multi-bike insurance can cost as little as £80 for classic bikes, but clearly will depend on what bikes are in your collection and where you keep them, as well as your experience and riding history.

    Each additional bike can cost from as little as £11.20 for classic bikes, but it typically costs around £45-60 per additional modern bike, once the main bike premium is calculated - higher value bikes can be more expensive.

    See our article on how multibike insurance is calculated.

Repatriation FAQs

  1. Will I be covered for overseas riding during the Covid pandemic?

    Our overseas trackday and off-road riding travel and repatriation policies are designed to cover you for emergency medical and repatriation costs following an incident when riding abroad (for the activity you have chosen), however there is an underlying exclusion which specifically excludes leisure holidays and trips to countries that are not on the UK Foreign Office exemption list for all but essential travel, i.e. Trackdays and MotoX holiday are NOT essential travel.

    It is your responsibility to make sure you are not travelling against Foreign Office advice as this may invalidate your cover.

  2. Will I be covered for catching Covid-19 or Coronavirus?

    Our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or “all but essential” travel.

    Our policies will also not cover any claims, except for the Emergency Medical Expenses section, caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above.

    The insurer will also not cover any claims relating to any fear or threat concerning these viruses.

  3. Does Repatriation Insurance cover private hospital treatment?

    No. Our policy is for public/state facilities only.

    We are not aware of any genuine BUPA style travel policies that "guarantee" private treatment, but encourage you to research the market and read the terms & conditions to make sure you're not just paying more for the same type of cover.

    Note: In exceptional circumstances, i.e. only where medically necessary and adequate public facilities are not available, the insurer may consider alternatives to public facilities on a case-by-case basis (this must always be pre-approved by the insurer, otherwise you’ll get the private hospital bill).

  4. What's the difference between a "Repat" policy and my EHIC card?

    EEA member states are obliged to treat UK citizens showing a European Health Insurance Card (EHIC), however in some cases (for example hazardous sports injuries) EHIC is sometimes rejected by the hospital – rightly or wrongly. That’s why trackday travel insurance is required, even at public hospitals the bills can quickly rack up. Significantly neither does the EHIC get you repatriated home (where medically necessary and safe to do so) or where necessary repatriate one other person who is required for medical reasons to stay with you.

    Remember repatriation can be very costly, for example if you can't safely travel in a normal plane seat, or the airline won't accept the risk of travelling without medical supervision for the journey. Repatriation cover is included within the overall Medical Expenses limit (£50,000 for our Silver Cover and £250,000 for Gold Cover).

    In some cases insurers have paid for relatives to fly out, including accommodation, to support customers when stranded overseas whilst receiving treatment. Again an EHIC card won't provide this kind of support when needed.

    Find out more about the EHIC here (please note residents of the Isle of Man or the Channel Islands are not eligible): Travelling Outside the EEA (NHS page)

    Note: Make sure you answer all medical questions honestly and accurately when buying any travel insurance policy. Pre-Existing conditions will always be excluded unless declared and accepted by the insurer (sometimes for additional premium).

  5. Where does it say "Repatriation" in the policy document?

    There are a lot of things covered by these policies so it's sometimes hard to find exactly what you are looking for. The Trackday Organiser (TDO) will want to see the word "Repatriation" to ensure you can get home in the event of an incident on track, in addition to cover for emergency medical treatment costs.

    If you look for Page 19 in the top right hand corner of the repatriation policy document pages, you will see three bullets under the word "We will pay for", e.g.

    • Additional travel, accommodation and repatriation costs to be made for, or by, you and for any one other person who is required for medical reasons to stay with you, to travel to you from your home country or to travel with you, where it is deemed medically necessary.

  6. Can I take part in a "Fun Race" at the end of the trackday trip?

    Yes, as long as it's an amateur race event or session (not professional), but you must upgrade to the appropriate Activity Pack on the final page of the purchase journey.

    • Activity pack 4 - Inc Motorcycle Race/Day Event (one off amateur event, e.g. a fun race at the end of a trackday trip)
    • Activity pack 6 - Inc Motor Racing/Competition (more suited to an amateur race meeting)

  7. Can I use this policy for dirt and trail riding, including Motocross?

    Yes. In addition to motorcycle touring and amateur trackdays, this policy covers general off-road motorcycle riding or training as standard, e.g. taking place on rough or rugged terrain that is not a public highway, even on a Motocross style bike.

    However, if you want to take part in Motocross (MotoX), e.g. a cross-country amateur motorcycle race/trial over a closed course of rough terrain with steep hills and sharp curves, then you need to add Activity Pack 6 at the end of the online quote (click "Buy" after it's displayed the standard price to add activity packs).

  8. Can I claim for damage to my bike on this policy?

    No. Whilst we have separate trackday insurance policies available for accident damage to your bike on UK or European circuits, this trackday travel and repatriation policy does not cover damage to your bike.

  9. Will this policy cover the costs of a hire bike if I damage my own?

    No. Whilst the policy does have some cover for a contribution to replacement transport when touring, i.e. to continue your journey, it will not cover the cost of hire bikes at a trackday if your own bike becomes unusable.

  10. Why do Focused Events (FE) ask for £150 pre-authorisation at Almeria?

    The pre-authorisation charge reserved by Focused Events (FE) at Almeria is to cover the potential cost of the private ambulance that the circuit uses to take you to the public hospital, a bit like pre-authorisation at a hotel for potential food/drinks that will then get released if you don't use the service.

    This pre-authorisation is probably not required with their own trackside policies for emergency medical costs, however please bear in mind that any cover you buy at trackside may not cover other things included in a typical "Repat" policy (where medically necessary and within the medical cover policy limits), for example:

    • Repatriation back to the UK, or
    • Flying out a family member to support you in hospital if required.

    Note: The £150 pre-authorisation technically shouldn't cost you anything unless the private ambulance is actually used, however you can claim it back once in the UK.

  11. Can I purchase a Repatriation policy when I'm at the circuit?

    No. You must be a UK resident, starting and finishing your trip in the UK. The policy must cover your whole trip duration, not just the days on track and must be purchased BEFORE you travel. It’s too late once you’re there...

    Note: If you purchase cover at the side of the track for emergency medical costs, it may not cover things like repatriation back to the UK for you and anyone required to stay behind with you, in the same way a "Repat" policy does.

  12. Is it BeMoto who deal with the Travel Insurance and Repatriation claims?

    No. BeMoto do not handle travel claims. Travel Insurance Facilities ("TIF") deal with claims directly.

    We can’t risk being a middleman delaying the process of getting you vital emergency treatment and we certainly don’t have specialist medical claims handlers, relationships with hospitals and medical experts or a team of foreign language speakers...

    You, or someone in your party, should always call the 24 hour emergency assistance team on +44 (0) 203 829 3848 as soon as possible to get the insurer involved to ensure (a) you are taken to the most appropriate public/state medical facility and (b) it’s better if they agree treatment with the hospital in advance, where practical or possible, to avoid you committing to things they won’t agree to pay for.

    For non-emergencies the number is 0203 829 3873. Open 8am-8pm Monday-Friday, 9am-1pm Saturday.

    Clearly if you’re unconscious or in no fit state to make phone calls then that may mean calling them later, at the earliest possible opportunity. If you wind up in a private hospital through no fault of your own, the insurer reserves the right to move you to a public/state hospital at an appropriate time (being careful not to risk your recovery).

    NEVER give your passport to a clinic or hospital.

  13. Can I call BeMoto for Travel Insurance help and support?

    Yes. We’re here to help, but we aren’t told by the insurer about your claim due to the strict data protection rules around Sensitive Personal Information (i.e. medical details); however please don’t hesitate to call us on 01733 907000* at some point AFTER calling the emergency assistance team to make us aware, but please note that unlike the assistance team, we’re NOT open 24 hours.

    In the vast majority of cases things go smoothly and as explained above we will never even hear about the majority of positive claims due to data protection restrictions, however things clearly can go wrong from time-to-time with so many parties in the process, including unfamiliar hospitals, cultures and non-English speaking Doctors.

    BeMoto are here to support you as our client where possible by explaining the process and chasing things up with the assistance company. Some of our team may occasionally hear about incidents on social media, trackday forums etc, but we cannot engage directly through those channels and in many cases wouldn’t be able to identify who you are anyway without more personal information. If we don’t know about issues with your claims experience we can’t help.

    Note: It's also likely that the insurer will not tell us or your friends specific details about your condition or treatment if we call them, unless you grant the insurer specific authority for someone else to act on your behalf (who can also pass data protection checks).

  14. What's the issue with private hospitals?

    Travel insurance policies generally exclude medical treatment in private facilities (unless absolutely necessary and pre-authorised).

    Just like in the UK private hospitals may not be equipped to deal with accident and emergency admissions, nor have the range of staff needed to provide such treatment, investigation and care.

    As businesses, private hospitals also exist to make profit and are often unregulated with less frequent inspections compared to public/state facilities. This means that private hospitals have been known to over-treat, delay treatment or discharge, over-inflate costs and allegedly have been known to claim for treatment that never actually happened (ever wondered why you need multiple scans or had to stay longer than necessary?).

    Be aware that some hospitals provide private ambulances or encourage taxi's to ensure you end up in their clinics, which if you're not careful can lead to you being trapped in their care with large bills to pay.

    However, we appreciate that some countries, even within the EEA, do not offer the same high standard of care we are used to with the NHS, plus the language barrier can be daunting when you're on your own in a foreign hospital. Research the local facilities in advance and make sure you call the emergency assistance team at the very earliest opportunity.

    NEVER provide your payment card details to a hospital or clinic.