What makes BeMoto Insurance Different?

BeMoto Motorbike Insurance is privately owned and run by Bikers. That makes us very unique and positively different.

We have access to a variety of schemes and work with the UK’s most trusted insurance underwriters. We have designed our own products: Carbon Cover & Titanium Cover, providing you with a choice of benefits to reflect your needs.

Being Bikers we understand modified bike insurance and realise very few bikes are left in their standard production line form. We certainly can’t think of a bike that we've owned that hasn’t had at least a little personalisation! Unlike some, our modified bike insurance reinstates your declared modifications and covers all R&G crash protection and styling accessories as standard.

We can also provide daytime MOT insurance for bikes that either didn't come with the necessary lights and indicators, for example classic bikes manufactured before modern standards, dirt bikes that have been converted to road use or maybe a bike that has been stripped down such as a track or race bike.

We offer incredible multibike insurance deals. We realise that you can only ride one bike at a time so we reflect that in our prices. If you have multiple bikes then the chances are that we can save you time, money and hassle with a single renewal date and payment plan. You can mix modern bikes with vintage and classic bikes - even SORN or unregistered bikes - we can arrange insurance for even the most diverse of collections.

Looking for cover for yourself and named riders? Make sure you call BeMoto for a multi-rider insurance quote. There are times when it's useful to add riders on to your policy - whether the named rider is a mate, a partner or family member, we have no problem in adding them to your policy.

And in case you hadn't already got the message, there are NO amendment fees for policy changes!

Unbelievable Motorbike Insurance Cover

As bikers we believe in treating other bikers fairly with excellent value for money and a first-class biker experience. That’s why WE DON’T CHARGE AN ‘AMENDMENT FEE’ if you call us to make a change to your motorcycle policy, such as swapping your bike, moving house or increasing your annual mileage.

We are on a mission to tackle the common disadvantages and misconceptions when it comes to getting the best motorcycle insurance. We don’t charge broker fees for you to make changes to your policy when you are with us, so when you compare motorbike insurance, we think you’ll see this can make quite a difference.

We like to tinker with our bikes, and we don’t think you should be penalised for calling up to tell us about modifications. We also know that it isn’t alien to move home or change jobs, so why on earth should you pay fees of £30 (on average) for the privilege? This is usually how the cheapest bike insurance soon becomes a lot more expensive.

Our products are designed to look after you in the best way possible and at BeMoto we can tailor your motorbike insurance to your exact requirements and save you the time and effort of having to compare the market.

Compare Covers



  • 24HR



  • LEGAL EXPENSES (£100,000)




  • Exc.


  • Exc.



Standard bike quotes available online, but our best deals are over the phone.

What type of motorbike insurance do you need?

SORN insurance provides fire and theft cover, plus malicious damage, when your bike is securely stored in a locked building and does not provide liability cover for use on the public highways, for example an old classic you can't part with or a project bike in bits that isn't ridden on the road (or maybe it's only used off road).

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. If you want cover for fire, theft or accidental damage to your motorbike then you need to look at TPFT or Comprehensive cover.

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 though.

Comprehensive cover is the best level of cover for your motorbike (other than optional extras you might add) and 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.

Call a Bike Expert

    We don't just get modifications, we love modified bikes!

    Unlike some competitors who return your bike to factory specification in the event of a claim, our modified bike insurance actually covers your declared modifications like-for-like and reinstates them. It’s always better to call us and discuss your modifications, whether you think it is a small change or not — that way you can rest assured that your motorbike is properly covered.

    Our policies also cover R&G crash protection and styling accessories as standard.

    Call for a Modified Bike

    We specialise in multibike, because one is never enough!

    Having more than one bike shouldn’t be a disadvantage when it comes to the cost of your insurance. With our multibike insurance, you can begin a policy with just one bike and add as many bikes as you like, whenever you like. There is no limit to the number of bikes we can insure and you can mix modern and classic bikes on one policy.

    As multibike specialists you know that you are in good hands if you’re lucky enough to add a bike later on to your collection, saving you time, hassle and money.

    Call for Multi Bike


  • Andy Smedley (56)
    Andy Smedley
    “Facebook Review: My 3rd year with BeMoto. Always a good experience dealing with the team. A shout out for Abbey this year. So helpful, friendly and not paid enough! Cheers 👍”
  • Dan Gifford (43)
    Dan Gifford
    “TrustPilot Review: Hands down the best motorcycle insurance company out there. This is my third year with the company and this renewal was a bit technical as I decided to add an additional bike the day before it went live, no problem for the BeMoto team though. Great team, great service and overall a great company 👍🏼”
  • Steven Carr (55)
    Steven Carr
    “Google Review: I've changed my insurance to BeMoto about 8 Months ago because they offered good value for money. Recently i called to change my policy to for a different bike. All I can say is, the service is better than other brokers or companies. Quick to take the call. Especially who I call swindle. Always a friendly person who knows what there doing and very helpful. This time it was Camille who helped me so well.”
  • Chris Kemp (30)
    Chris Kemp
    “Feefo Review: BeMoto deliver once again for yet another year! Renewal came round again and in honesty, it was a bit salty this time round compared to last year. Another quick phone call to Bemoto to discuss the policy and we actually changed a couple of things. Low and behold, long term loyalty discount applied and requoted as a result. Results indeed! renewal was cheaper than last year so once again, a pleasure to have the bikes insured with BeMoto for another year and continue with the platinum policy on offer. Once again, Customer service was nothing but efficient and pleasant. Thoroughly recommended.”

    Insurance for all types of motorbikes

    Whether you just want insurance for social, domestic and pleasure use, or you want to add commuting cover or even business use, we have policies to cover the vast majority of different uses - including fire and theft insurance for bikes that are not used on the road at all:

    • Cruiser and Custom Bike Insurance - We can insure a vast range of cruiser and custom bikes of pretty much any age, type or value. Whether your bike is a standard cruiser, or heavily a customised / modified machine, we have specialist schemes to insure your work of art.
    • Naked Bikes and Commuter Insurance - Whether you have the latest hardcore hyper-naked Ducati Streetfighter V4 for summer blasts, or a practical workhorse like the Suzuki Bandit to beat the commuting traffic - we can tailor your naked bike insurance for any type of use.
    • Off Road and Dirt Bike Insurance - Whether you have an unregistered motocross, trials or enduro bike and just need Fire & Theft Insurance, or you have an adventure bike for alpine tours and need European breakdown cover, we offer a wide range of policies to protect all types of bikes.
    • Sports Bike and Superbike Insurance - We have a passion for sports bikes and track days. Whether you need insurance for your 80’s two-stroke, 90’s four-stroke screamer, 600cc supersports or a large capacity superbike, we have road and track policies to cover you and your bike.

    Our standard benefits with Carbon Cover

    Up to 90-days per trip cover extension within the European Economic Area (EEA)


    24-hour UK based motorbike claims service, 365 days per year

    Up to £100,000 Legal Expenses Insurance included as standard for uninsured loss recovery

    Motor legal helpline to discuss any motoring legal issues

    Speak to an Expert

    Why Not have Titanium Cover for Just £50 extra?

    Why Titanium Cover?

    We don’t overcharge for simple extras. We've bundled them together into a great value package…

    All the benefits of Carbon Cover, plus around £200 of extras all for only £50 more. All of our policies start with 90-days European cover (per trip), FREE legal expenses insurance and NO amendment fees.

    • FULL RAC Breakdown

      For all your bikes insured with us, including Home Start, Roadside, Recovery, Onward Travel and even European cover.

    • £1,500 Helmet & Leathers

      Accident damage cover for your protective riding gear, including helmets, leathers, goretex, boots, gloves etc.

    • £15,000 Personal Accident

      A tax free lump sum in the event of certain serious injuries or accidental death when riding a motorbike.

    • For just £50 Extra
    A Motorbike



    Feefo logo

    Frequently Asked Questions (FAQs)

    1. How much does motorbike insurance cost?

    2. How can I get cheaper motorbike insurance?

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

    4. What is a motorbike insurance excess?

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