Rated 4.9 out of 5 on Google.

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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Why choose BeMoto for you motorbike insurance?

At BeMoto, we know no two riders are the same. That’s why our motorbike insurance is designed to fit around you, with flexible policies you can tailor to your bike, your mileage and your budget.

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.

We search our trusted panel of insurers to find you cheap motorbike insurance without cutting corners on cover. That means you get the protection you need at a competitive price, giving you great value motorbike insurance without compromise.

With multi bike discounts, no amendment fees when you make changes, and award winning customer service, it’s easy to see the BeMoto difference in motorbike insurance.

Motorbike Insurance Specialists Rated 4.9 out of 5

Based on over 17,000 independent reviews from UK bikers.

Absolutely first class, did their best to find me a comparative deal and went above and beyond to get it all sorted! Would recommend without a second thought.

I have been using BeMoto for a few years now and always find them very competitive. Prices are always good and in some cases, brilliant. The titanium package is the best on the market. I would highly recommend this company.

Efficient processing, friendly staff, and a great price for the additional bike on my policy. Flexible in terms of setting up the policy, and easy to deal with.

More reasons to insure your motorbike through BeMoto

UK call centres

24/7 claims support

£100k legal expenses

Modifications cover

90 day riding in Europe cover

Personal injury insurance*

Full breakdown 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 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.

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.

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.

Are there admin fees for policy amendments?

We don’t charge admin fees for mid-term amendments (MTAs) to your existing policy, such as updating your address or switching bikes. Any new policies (including cover for additional bikes) will incur the relevant fees in line with our Terms of Business.

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.

Looking for more specialised motorbike insurance options?

One renewal date to rule them all

Managing five different insurance policies is a full-time job you didn’t apply for. BeMoto puts your whole fleet on one policy with zero fees for making changes. It’s the easiest way to look like you have your life together while still owning far too many motorcycles.

Your essential sidekick for life on two small wheels.

Whether you are dodging traffic on a nimble 50cc moped or cruising on a stylish Italian scooter, BeMoto provides specialist cover that fits your commute. Enjoy legal expenses as standard and the freedom to modify your ride without being penalised. It is the smartest way to keep your urban adventures protected while keeping your costs firmly on the ground.

Insuring the stories and the scars.

Some brokers think a Commando is just a movie character, but BeMoto knows it is a British twin with cafe racer cool. Get classic bike insurance that includes 90 day European cover and zero fees for policy changes. It is the perfect way to keep your retro ride legal without being treated like a standard commuter.

Tailored protection for your rolling statement.

If your bike is loud, over the top, and definitely not “standard,” you need insurance that matches its energy. BeMoto offers modification friendly policies with no amendment fees when you decide to tweak your build further. Get full cover for your upgrades and 90 day European cover so you can show off your vision beyond the local high street.

Give your trike the top shelf protection it deserves.

Whether you are cruising on a factory build or a custom creation, BeMoto offers specialist trike cover that treats your ride with respect. Enjoy 90 day European cover and zero fees for making policy changes. It is the perfect way to keep your stability on the road while keeping your insurance costs from wobbling.

Multi Bike Insurance

Cover your growing collection on one simple policy.

Find out more >>

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