About Non Road Insurance

NON-ROAD INSURANCE FOR YOU AND YOUR BIKE

As motorcycle insurance specialists we love off-road bikes as much as road motorcycles. We have products designed for true bike enthusiasts who enjoy bikes but don't necessarily use them on the road, e.g.

  • Project bikes laid-up and SORN during the build process (if it ever ends)
  • Dirt Bikes used off road only (with or without a V5)
  • Track and Race bikes (with or without a V5)
  • Kids bikes (not road legal)

We have a range of different products below, uniquely designed for SORN motorcycles, track, race bikes and off-road bikes.

Fire, Theft and Malicious Damage (SORN Insurance)

This product is designed for DVLA registered motorcycles, quads or trikes that are laid up and SORN in the garage, shed or lock-up (at home or rented storage elsewhere).

SORN Insurance is specifically for vehicles that have a V5 registration and they must have been declared off-the-road using the Statutory Off Road Notice (SORN) process with the DVLA. Motorcycles need to be locked to something robust, e.g. ground anchors, sturdy benches or to other bikes, with decent chains, in a secure locked building (could be at home or somewhere else). Other vehicle types may have other requirements.

For further details read our SORN Bike Insurance information.

Dirt Bike Fire and Theft Insurance (No V5)

Our Dirt Bike Theft Insurance is designed for off-road bikes and quads without a V5 registration form, which are often very difficult to buy insurance for without a log book... however we can help.

Where your Enduro, Motocross, Trials or Speedway bike is worth over £4,000 you will need to fit a DataTag marking kit so that it can be identified as your property (if stolen and recovered). There is a discount code for 20% off DataTag kits during the quote process.

We can also offer "Daytime MOT" insurance to use your dirt bike on the road for greenlaning etc (subject to appropriate age, experience and NCD).

Track and Race Bike Theft Insurance (No V5)

We've all seen the news about WD40 and Tyco BMW bikes being stolen, but more often it's the amateur track day rider or racer who loses out (a few of us have had bikes stolen from our garage). BeMoto Track and Race Bike Theft Insurance provides fire, theft and malicious damage cover when securely stored in a garage, shed or lock-up.

Where your track day or race bike is worth over £4,000 you will need to fit a DataTag marking kit so that it can be identified as your property (if stolen and recovered). There is a discount code for 20% off DataTag kits during the quote process.

We can also offer "Daytime MOT" insurance to use your track bike on the road in some circumstances (subject to appropriate age, experience and NCD). Obviously it needs to be road-legal, e.g. have a horn, reflector and proper road tyres etc.

Track Day Bike Damage Insurance

It's hard to find track day cover for motorcycles, but this Track Day Bike Damage Insurance is designed to insure your motorcycle for crash damage caused at any UK or European circuit, including the Nürburgring, with sensible excesses - plus discounts for multi-day policies (must be consecutive days, e.g. a 3-day Euro trip).

Any bike type and modifications can be covered (bikes up to £25,000), whether it's a road bike used on track days, or a dedicated track or race bike with all the track mods. Get your knee down without worrying about your bike - relax and enjoy the day knowing you're bike is covered for accidents on track whether they are your fault or not.

Discounts also available for Trackday Addicts (Facebook Group) members.

Personal Injury Cover

No matter how tough or skilled you are, accidents can happen, that's why we offer Personal Injury Cover designed for track riders to ensure you're covered on a track day when riding for fun or competitively (racing as an amateur).

Many protection insurance policies exclude "dangerous sports" or "hazardous pursuits" - we've designed ours to cover exactly those sorts of fun things!

Guaranteed acceptance with no underwriting (immediate cover) and tax free lump sum pay outs for accident related fractures, hospital stays, permanent total disablement and even accidental death as a result of accidents on track.