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.
Carbon vs. Titanium Cover
Both our policy tiers come packed with essential rider protections, but Titanium Cover bundles our most popular high-value extras into one complete package.
Carbon Cover
Essential Specialist CoverOur solid core policy packed with essential protection for everyday riders.
- 24/7 UK Claims Support
- £100k Legal Expenses Cover
- Modifications Cover (Like-for-Like)
- 90 Days European Riding Cover
- Helmet & Leathers Cover Optional
- Personal Accident Cover Optional
- Breakdown Assistance (Not available)
Titanium Cover
Complete Premium ProtectionOur flagship policy bundled with breakdown, gear cover, and personal accident included.
- 24/7 UK Claims Support
- £100k Legal Expenses Cover
- Modifications Cover (Like-for-Like)
- 90 Days European Riding Cover
- £1,500 Helmet & Leathers Included
- Personal Accident (Up to £15,000) Included
- Full UK & European Breakdown Included
Supercharge your cover
Riding Carbon Cover? Easily tailor your policy with these standalone optional extras so you're only paying for the exact protection you need.
Helmet & Leathers Cover
Up to £1,500 to repair your damaged helmet and motorcycle clothing, or replace your helmet and motorcycle clothing where the damage is beyond repair as a result of a motorcycle accident.
Personal Accident Insurance
A £15,000 tax-free payment for specific types of bodily injury outlined in the policy wording, or death following a motorcycle accident.
Excess Contribution Insurance
Claim back up to £500 towards your excess costs in the event of a fault claim against a BeMoto TPFT or Comprehensive policy (not required for Third Party Only cover).
Licence Defence (Motor Prosecution)
Up to £50,000 of cover to pay motor defence solicitors fees and a helpline operated by motor defence experts (cover extends to any personal vehicle that you are insured to drive on UK roads).
Choose the right level of cover
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
The legal minimum. Covers damage or injury you cause to other people, vehicles or property. Does not cover damage to your own bike.
- Third party damage & injury
- Fire damage cover
- Theft protection
- Accidental & malicious damage
Third party, fire and theft
Includes everything in third party cover, plus protection if your bike is stolen or damaged by fire.
- Third party damage & injury
- Fire damage cover
- Theft protection
- Accidental & malicious damage
Comprehensive
Our highest level of protection. Includes third party, fire and theft, plus cover for accidental and malicious damage to your bike.
- Third party damage & injury
- Fire damage cover
- Theft protection
- Accidental & malicious damage
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.
What our customers have to say
Over 17,000 five star reviews from riders across the UK. That kind of feedback does not happen by accident. It comes from great service, specialist knowledge and insurance designed around bikers.
Frequently asked questions
What is the main difference between Carbon and Titanium cover?
Carbon Cover is our solid core policy that includes 24/7 UK claims support, £100k legal expenses, modifications cover, and 90 days European riding. Titanium Cover is our flagship fully-loaded package that bundles Full UK & European Breakdown, £1,500 Helmet & Leathers cover, and up to £15,000 Personal Accident Insurance directly into your policy at a bundled discount.
Are my bike modifications covered like-for-like?
Yes! As motorcycle specialists, both Carbon and Titanium policies include like-for-like cover for declared modifications. This means if you have upgraded exhausts, levers, carbon parts, or custom accessories, we replace them like-for-like rather than returning your bike to standard factory spec.
Can I add extra cover to Carbon Cover later?
Absolutely. If you choose Carbon Cover, you can tailor your policy with standalone optional add-ons like Helmet & Leathers cover, Personal Accident insurance, Excess Contribution, or Licence Defence whenever you need them.
Am I covered for riding in Europe?
Both Carbon and Titanium policies include up to 90 days of European riding cover per policy year as standard. If you opt for Titanium Cover, you also get full European Breakdown Assistance included automatically.
Can I insure multiple motorbikes under one policy?
Yes, we offer bespoke Multi-Bike insurance policies. Whether you own a garage full of sports bikes, classics, or commuters, we can combine your motorbikes into a single policy with one renewal date and a multi-bike discount.
Can I protect or transfer my No Claims Discount (NCD)?
Yes! You can transfer earned No Claims Discount from previous UK motorcycle policies. We also offer No Claims Discount Protection options to safeguard your bonus in the event of an eligible claim.
Can I upgrade from Carbon to Titanium mid-policy?
Yes. If your riding habits change or you decide you want full breakdown cover and gear protection included, you can call our team at any point during your policy term to upgrade to Titanium Cover.
Do you offer track day or off-road cover?
While standard road policies do not automatically cover circuit riding, BeMoto offers specialist standalone Track Day insurance and Off-Road/Motocross cover options for riders who take their passion beyond public roads.
What should I do if I need to make a claim?
Our UK-based claims line is open 24 hours a day, 7 days a week, 365 days a year. Call our team directly at 01733 907 000 and a rider specialist will guide you through the process from start to finish.
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