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Custom and modified motorbike insurance
Some brokers think a custom bike is just a fancy seat cover. We know it means something as unique, loud, and over the top as you. Think less Sunday ride, more Ibiza final boss.
What is custom and modified motorbike insurance?
Custom and modified motorbike insurance is built for bikes that break the mould and the rulebook. Whether you’ve stretched a swingarm, hand painted the tank or bolted together a full blown Frankenstein build, a bike that’s this personal needs insurance that gets it.
It’s not just about covering theft, damage or liability. It’s about protecting the time, money and vision you’ve poured into making something totally unique. When things go wrong, you want a policy that understands the real value of your upgrades, not one that shrugs at nonstandard parts.
That’s why we offer modification friendly policies designed for custom builds with nonstandard specs. No blank stares. No stock valuations. Just proper cover for your one off machine.
And because it’s still got to be road legal, custom and modified motorbike insurance keeps you compliant while treating your pride and joy like the masterpiece it is. Think of it as tailored protection for your rolling statement.
And if custom and modified bikes aren’t your only ride?
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 custom and modified 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 custom and modified 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 custom and modified 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 custom and modified 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.
Custom and modified 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 custom and modified motorbike insurance.
What is custom and modified motorbike insurance?
Custom and modified motorbike insurance is specialist cover designed for bikes that have been altered from standard spec. Whether it’s cosmetic changes like paintwork or performance upgrades like a new exhaust system, this insurance makes sure your nonstandard parts are properly covered.
Do I need special insurance for a modified motorbike?
Yes. If your motorbike has been modified from the factory spec, you’ll need to tell your insurer. Standard insurance policies may not cover aftermarket parts, so having a modified motorbike insurance policy helps ensure you’re protected if something goes wrong.
What counts as a modification for insurance purposes?
A modification is anything that changes your bike from its original manufacturer specification. This includes custom paint, new handlebars, suspension changes, engine tuning, exhaust swaps, and more. Even cosmetic tweaks can affect your insurance, so it’s best to disclose everything.
Will modifications increase my insurance premium?
Not always. Some mods may have little or no impact, while others could raise your premium depending on how they affect performance, safety or theft risk. The right custom motorbike insurance policy is built to take these changes into account without penalising you unfairly.
Can I insure a fully custom built motorbike?
Absolutely. Whether you’ve built a one off café racer or transformed a project bike into something completely unique, custom motorbike insurance can be tailored to your specific build, so you get the right level of cover for the bike you’ve created.
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