Rated 4.9 out of 5 on Google.

Motorbike insurance

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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Multi Bike Discounts

Click here to find out how to save time and money with a multi-bike policy.

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.

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 channeling 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 are available?

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.

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.

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.

Compare our Motorbike Insurance cover levels.

Cover for up to 90-days per trip when you ride in Europe
24/7 UK based motorbike claims service
£100,000 legal expenses cover
Motor legal helpline
£1,500 helmets & leathers insurance
£15,000 personal accident insurance
UK & European breakdown cover

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Cover for up to 90-days per trip when you ride in Europe
24/7 UK based motorbike claims service
£100,000 legal expenses cover
Motor legal helpline
Optional - £1,500 helmets & leathers insurance
Optional - £15,000 personal accident insurance
UK & European breakdown cover

Supercharge your motorbike insurance with optional extras.

UK & European Breakdown Cover

Breakdown cover is provided by the RAC and provides help following a breakdown of your motorbikes. It’s benefits include home start, roadside, recovery and onward travel.

Helmet & Leathers Insurance

Up to £1,500 for helmet, leathers, boots, gloves & other protective clothing damaged as a result of a motorcycle road accident.

Personal Accident Insurance

Up to £15,000 Personal Accident cover for death or permanent disability, e.g. loss of a limb, an eye, hearing or speech caused by a motorcycle road accident.

Excess Contribution Insurance

Up to £500 towards your excess costs in the event of a successful claim on your core motorcycle insurance policy.

Licence Defence Insurance

Up to £25,000 of cover to pay a specialist, motor defence solicitor’s fees if you are investigated or charged with a motoring offence.

Motorbike insurance recommended by over 98% of our customers

Rated 4.9 out of 5 on Google.

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.

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 several bikes under one policy, with one renewal date and one premium—making life simpler and often cheaper for enthusiasts with more than one machine.

Can I get motorbike insurance with no admin fees?

Yes. One of the things that makes BeMoto different is that we don’t charge mid-term amendment (MTA) fees. You can make changes to your policy—like switching bikes or updating your address—without hidden costs.

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.