Frequently Asked Questions

We hope that the FAQs below are helpful. If you cannot find the information you are looking for, please contact us and we would be happy to answer any questions (you can also find links to other useful pages including the Insurance Product Information Documents (IPID), at the bottom footer of this website).

FAQs below for:

Race Van Insurance
Trackday Damage Insurance
GAP Insurance
Motorbike Insurance
Multi-Bike Insurance
Trackday Travel and Repatriation Insurance (also known as "Repat")

SORN Insurance FAQs

Does SORN Insurance earn No Claims Bonus?

BeMoto SORN Insurance is designed for laid up bikes that are not ridden and the pricing is mainly based on the bikes value not your riding experience. Because you don't ride it you don't earn any No Claims Bonus (NCB), but neither do you need any to buy this policy.
This type of cover is ideal for you to protect yourself from financial loss of a fire, theft or malicious damage (including attempted theft) when your bike is stored and is not just designed for SORN bikes, it also covers unregistered bikes like dirt bikes, track or race bikes and kids motorbikes where you'd never earn NCB anyway.
Can I insure a motorbike that is not road registered?

Yes, you can buy BeMoto Fire & Theft Insurance even if your motorbike is not registered for road use, e.g. a dirt or track bike, kids motorbikes or recent imports that do not have a V5 'log book' and are never used on the road. You will need to have a DataTag security marking system fitted (not expensive and easy to do) so that we can identify the bike as yours if it is stolen and recovered.
What does SORN mean?

When your bike is declared SORN it means you have told the DVLA it is no longer used or kept on the public highways, i.e. it is 'off the road' and no longer needs to be taxed. You need to submit a Statutory Off Road Notification and ensure you keep it off the road (you can't even park it on the road otherwise you could be prosecuted).
If you do not tax your vehicle and forget to declare it as SORN you may get a reminder from the DVLA, but remember if it is a legal requirement to tax and insure your vehicle otherwise, and you can be prosecuted for not following the rules (your bike could also be impounded and crushed if it's found to be on the road).

Comparison Site FAQs

Is it cheaper to buy insurance online or come directly to the provider?

It is usually cheaper to call BeMoto and speak to us. Website quotes can be quick and convenient for very standard “vanilla” risks, but they cannot ask all the questions a human can in order to tailor a quote for your specific circumstances, e.g. understanding your riding experience and bike history, discussing your modifications, or providing more information about your bike storage and security.
What are the advantages of a price comparison website?

Price Comparison Sites offer convenience and a quick comparison of prices, however they are not as good at comparing product or service quality. Neither are they as useful for non-standard risks, such as modified bikes. Price Comparison Sites make a lot of assumptions to ensure their journey is slick but these assumptions may get a quicker quote but they can also be important information that needs to be accurate.
What are the disadvantages of a price comparison website?

Price Comparison Sites make a lot of assumptions to keep the quote process quick and convenient, but this is not always the best thing to do, likewise, they are not very good at asking for more detailed information to get a better assessment of your personal situation.
At BeMoto, we have real humans who will tailor a quote for your specific circumstances, e.g. understanding your riding experience and bike history, discussing your modifications to ensure they are covered, or getting more information about your bike storage and security.
Are BeMoto’s products on price comparison sites different from the ones from its own website?

No. They are the same quality products and customer service, with no amendment fees to make changes and some awesome benefits with our Titanium Cover. However, it is often better to speak to us directly as we can ask all those questions a website doesn’t, e.g. your riding history and bike experience or modifications, to tailor a product that better meets your needs and may actually end up being cheaper.
How much extra does Multibike policies cost?

Multibike insurance can start from around £80 for two classic bikes, but in reality most people have a mix of bike types and values, e.g. mixing modern and classics, some have larger motorbike collections (we don’t have any limits to the number of bikes) and others have high value machines that will clearly cost more.
BeMoto Multibike Insurance is probably the most flexible package in the market, we will mix all sorts of bikes, ages of bikes, bike values and even SORN or unregistered bikes (off-road or track for example).
Do you save money on multibike policies because you can only ride one bike at a time?

Yes. Once we work out the “main” bike (the highest rated), which covers the main road-risk premium, we then add the others at a nominal charge based on their value. Whilst you can only ride one at a time, they can all be stolen or damaged in a fire at the same time…
Can you add multiple riders to a multibike insurance policy?

In theory, no. It is multi-bike or multi-rider, so it would require individual policies. However, we can often tailor a package that feels like a multibike insurance product with one renewal date, one Direct Debit and benefiting from Titanium Cover for all bikes, but with separate policies and mirroring your No Claims Discount (or No Claims Bonus to some).
How much does motorbike insurance cost?

Motorbike insurance can start from around £70 for classic bikes, but in reality it can vary significantly based on your personal circumstances, e.g. the value of your bike, your age and riding experience or bike history, modifications, where you keep it and what security is in place… Not to mention things like your claims history or any convictions.
The best way to get a good deal, with the right balance of price and quality, is to speak to a specialist like BeMoto Bike Insurance, who will tailor a quote to your needs and ask all those questions a website can’t to better understand your situation. By calling us directly, you will also ensure you are properly covered for things that some comparison websites might “assume” incorrectly about you or your bike, e.g. they may assume it is not modified when we all know 80%+ of bikes have been personalised…

Help and Support

What is the phone number to get a motorcycle insurance quote?

For a new motorcycle insurance quote, call BeMoto on 01733 907000 to speak to a bike insurance specliast.
Opening hours for phone quotes are 9am to 7pm weekdays and 9am-5pm on Saturdays (closed Sundays).
What is the phone number to amend my BeMoto motorcycle insurance?

To make a change to your BeMoto insurance policy, call us on 01733 907001.
Opening hours for phone service are 9am to 7pm weekdays and 9am-5pm on Saturdays (closed Sundays).
What is the phone number to renew my BeMoto motorcycle insurance?

To discuss your BeMoto insurance renewal, call us on 01733 667857 to speak to a bike insurance specliast.
Opening hours for renewals are 9am to 7pm weekdays and 9am-5pm on Saturdays (closed Sundays).

Bike Trackday Damage Insurance FAQs

Does track day insurance cover me for personal injury?
We offer different types of track day insurance:
1. Trackday Bike Damage Insurance (for damage to your bike)
2. Trackday Travel & Repatriation Insurance (emergency medical and repatriation cover for hospital bills and getting you home)
3. Personal Injury Cover (Motorcycle Event) - Tax free lump sum payouts for listed bodily injuries or accidental death
Whilst the first two exclude payouts to you for injury, you can buy our Personal Injury Cover as an optional extra with our trackday bike damage insurance, or on its own as a standalone policy for trackdays, amateur racing (short circuit), superbike schools, off-road and wheelie schools - single day or a block of days for a race weekend or Euro trackday for example.
Does motorcycle insurance cover track days?

Standard road insurance policies typically excludes cover for damage caused when riding your motorbike on a track day.
However, with BeMoto Trackday Damage Insurance you can cover accidental damage to your motorcycle on a UK or European circuit, whether the incident is your fault or not. It can cover repair costs if it is repairable, or a market value cash settlement towards replacing your bike if it is written-off (a total loss).
As you'd expect, there is an excess deduction, typically about 10-15% of your bikes value, so you still get about 85-90% of the market value after a claim is settled.
How much does motorcycle track day insurance cost?

BeMoto track day insurance covers you for accidental damage to your bike on a UK or European circuit. It is a per-day policy, not an annual one.
You can buy cover for a single day, or a block purchase of consecutive days for a Euro trip, i.e. 3 or 4 days on track at Almeria. Costs are based on your bikes value and an excess deduction applies (usually around 10-15% of your bikes value).
See our table showing example motorcycle track day insurance costs.
BeMoto track day insurance
BeMoto offers various track insurance products for track day riders and amateur racers:
- Motorcycle Track Day Damage Insurance (UK and EU circuits)
- Track Day Travel and Repatriation Insurance (emergency medical and repatriation costs)
- Track Day Personal Injury Plans (tax free lump sums for fractures or worse)
- Track Bike Theft Insurance (optional "In Transit" cover)
- Race Van Insurance (converted vans for transporting your bike and sleeping at track)
- Day Time MOT Insurance (road-legal track bikes)
Does Trackday Insurance affect my No Claims Bonus (NCB)?
In a word, No. As it's not a road insurance policy, motorcycle track day damage insurance is treated differently to road insurance, e.g.
- A trackday claim does NOT need to be declared to your road insurer
- A trackday claim will NOT be notified to the claims underwriting exchange (used by road insurers to search your claims history)
- A trackday claim does NOT affect your No Claims Discount (NCD)
It will not go against you when buying standard motorcycle insurance in any way, although you may take some ribbing from your mates and have some damaged pride!

Race Van Insurance FAQs

Is my motorbike also covered with Race Van Insurance?
No. Race Van Insurance covers the van and its permanent fixtures (fitted cupboards, beds, kitchens, equipment etc), but NOT the goods you are carrying. It does not cover things like your motorcycle, track car or go-kart whilst they are being transported.
Other Options:
- If you're hit by a third party you can most likely claim for damages against their motor insurance policy.
- You can buy "In Transit" insurance with BeMoto as part of a SORN Insurance policy for track or dirt bikes.
- If you have a comprehensive motorbike or car insurance policy for your vehicle being transported, that should also cover it when in transit.
What does race transporter insurance allow me to use it for?
Our race transporter insurance is like normal car insurance (you can choose TPO, TPFT or Comprehensive cover), but for a van or truck that's primarily used to transport your leisure vehicles to and from race meetings, tracks, workshops, shows and events - rather than an everyday vehicle.
- Social, Domestic and Pleasure use (occasional commuting is acceptable) - it is NOT valid for commercial use in any trades
- The main purpose is for 'carriage of own goods' as it's known - you can use it to carry your own hobby equipment like motorbikes, track/race cars, go-karts or other leisure vehicles
- Of course it's OK to pop to the shops or a mates house etc - however, your race transporter should be a secondary vehicle (not your main or only form of transport)
- Sleeping in your race van or truck at race meetings, shows and events is ideal to save money on hotels and also keep an eye on your vehicle at the same time!
Does my van qualify for race van insurance?
There are a few things to consider. Firstly if your V5 says 'Motor Caravan' then the answer is no (try a motorhome insurer).
BeMoto race van insurance is intended for private vans or trucks that are used for social and pleasure purposes. Even if they look like a professionally converted camper van, as long as it can carry a motorbike, track car, go kart or other sports vehicle, the GVW is below 17.5 tonnes, has no more than 6 seats, with a maximum value of £40,000 (including fit out costs) and still says its a van on the V5 it should be fine, e.g.
- Box van or luton van
- Goods or light goods
- Insulated van
- Light van
- Livestock carrier
- Minibus
- MPV (multi-purpose vehicle)
- Panel van
- Specially fitted van
- Special mobile unit
- Van with side windows
The van should not be your main or only vehicle, it should be a secondary form of transport and its purpose should be for social use as a race transporter to carry you and your race gear to and from tracks etc (and most likely sleeping in).
Does race van insurance cover camper conversion costs?
BeMoto can insure race vans up to £40,000* including any permanent fixtures and fittings, e.g.
- Cosmetic interior fittings (wall coverings and insulation)
- Exterior camper or race van styling
- Windows / blinds
- Race truck garage fit outs
- Beds and bunks, including pop-tops
- Kitchens / bathrooms
- Cupboards
- Camper electrics / solar systems
The key thing is that whilst it can look like a camper and have plenty of home comforts, this isn't motorhome insurance. It must still be classed as a van on the V5 log book (not a 'Motor Caravan') and only be used as a secondary vehicle for social and pleasure purposes, i.e. a private van mainly intended for carrying your personal sports/race/leisure vehicle(s) to and from circuits, shows and events (and sleeping at circuits etc).
* Only permanent fixtures and fittings covered as a converted race van, not all the removable personal possessions like bedding, crockery etc (or any vehicles being carried, e.g. motorbikes, race cars, go karts, etc)...

Classic Bike Insurance FAQs

Is classic bike insurance cheaper?

Generally yes, classic motorbike insurance is cheaper as they are typically used less often and cover less miles, in addition they are often ridden more carefully to avoid damage and often on sunny days only (no icy and salty roads) - classic bikes aren't stolen as frequently either.
For this reason the premiums are often cheaper and the excesses are lower, usually starting at £50 or £100.
However if you want to ride the bike every day and commute to work, doing over 3,000 miles per year for example, then it may not attract the cheapest classic bike insurance premiums as it is being ridden like any "everyday" bike.
What age is classic bike insurance?

The age a bike must be to qualify forclassic bike insurance can vary but generally they start at 20 years old on some of our schemes, with others not kicking in until the bike is older, for example old enough to not require an MOT and qualify for free road tax (also known as Vintage Bike Insurance).
We also have products designed for modern classics and future classics, for example modern bikes that are iconic or rare and are treated with care or not ridden much (if at all), which will eventually be classed as "classics" in the future.
Can I get agreed value bike insurance?

BeMoto Classic Motorcycle Insurance offers FREE Agreed Value service for classic, vintage and custom bikes on request. We do not charge a fee for this service and will require some photos of the bike from various angles to assess with the insurer the bikes condition and confirm the value is reasonable. As an added benefit, there are NO Amendment Fees to make changes either.
How much does motorbike insurance cost?

Motorbike insurance can start from around £70 for classic bikes, but in reality it can vary significantly based on your personal circumstances, e.g. the value of your bike, your age and riding experience or bike history, modifications, where you keep it and what security is in place… Not to mention things like your claims history or any convictions.
The best way to get a good deal, with the right balance of price and quality, is to speak to a specialist like BeMoto Bike Insurance, who will tailor a quote to your needs and ask all those questions a website can’t to better understand your situation. By calling us directly, you will also ensure you are properly covered for things that some comparison websites might “assume” incorrectly about you or your bike, e.g. they may assume it is not modified when we all know 80%+ of bikes have been personalised…

GAP Insurance FAQs

Will GAP insurance cover the full value of my motorbike?
BeMoto Return to Invoice (RTI) GAP Insurance is designed as a “top-up”. Your main motorbike insurer will pay a settlement of market value and the GAP insurance will pay the shortfall back to your invoice price. So whilst it doesn’t cover the full value, it does do exactly what it’s meant to in covering the shortfall or “gap”.
Whilst you can choose the level of cover or value limit of the shortfall, your GAP policy should only be required to match the shortfall between your insurer’s settlement and either:
- The invoice price of your motorbike
- The outstanding finance balance
- The outstanding rental
How much Motorbike GAP Insurance cover do I need?

Motorbike depreciation is not an exact science because rates can be affected by the retention values of different bikes. Other factors include; mileage, condition, and general marketability at the time of a total loss. Many GAP policies ask you to pick a cover level for the size of gap you want to insure.
However... BeMoto Motorbike GAP Insurance has been made simple to ensure you don't get caught out trying to calculate how much cover to purchase! Just choose the correct value band for your original bike purchase cost, including dealer fitted modifications, and your GAP cover is unlimited up to that chosen amount - so if your bike was £20,000 and you select £15,000-£20,000 level you are covered for any size gap up to the £20,000 you paid.
When can I buy a Motorbike GAP Insurance policy?

You can buy a BeMoto Return to Invoice (RTI) Motorbike GAP Insurance policy within 180 days of purchasing your motorbike from a VAT registered dealership or garage. The bike should be less than 8 years old at the time of purchase and have less than 120,000 miles on the clock.
Are dealer fitted accessories included in my Motorbike GAP Insurance cover?
Yes, dealer fitted accessories are covered by BeMoto Return to Invoice (RTI) Motorbike GAP Insurance, provided that they have been paid for at the same time and fitted at the time of purchase by the dealership, or unless included in the motorbike manufacturer’s original specification (i.e. any option fitted at the factory).
Whilst this policy doesn't decline claims for aftermarket modifications you make once it leaves the factory / dealership (or made by previous owners and garages), these costs aren't included in claims because the policy is designed to cover the original invoice price, not modifications made after the bike has been purchased.
So put simply, BeMoto GAP Insurance:
- Covers factory fitted options as standard
- Covers dealer fitted accessories (as long as they were paid for on the same invoice)
- Does not penalise you for aftermarket alterations (although we won't pay for them either)
Is my GAP Insurance valid if I take the motorbike abroad?

Yes BeMoto Motorbike GAP Insurance covers you if a Total Loss occurs within Great Britain, Northern Ireland, Isle of Man, Channel Islands, Member Countries of the European Community, and any other country for which an international motor insurance Green Card in respect of the Motorbike is effective at the Date of Loss, and provided that your main motor insurer settles your claim.
What happens to my GAP Insurance if I change my motorbike mid term?

If, having purchased a BeMoto Motorbike GAP Insurance policy, you sell your bike, provided that no claim has been made under this insurance, you can transfer the remaining cover to the eligible replacement bike (if it is an eligible bike and worth more than the original, an additional premium may be required).
A new Policy Schedule will be issued confirming the replacement bike details. Cover will not include any refinancing.
Are Named Riders covered by my Motorbike GAP Insurance policy?

All named riders on your main comprehensive motorbike insurance policy are covered on our Motorbike GAP Insurance; however, GAP claim settlement is always conditional on your main motorbike insurer settling your total loss claim.
Anyone riding your motorbike under their own motor insurance or on a temporary/short term motor insurance policy will NOT be covered.
If my motorbike is written off by an uninsured driver, will my GAP Insurance pay out?

BeMoto Motorbike GAP insurance is conditional on you holding a Comprehensive bike insurance policy for the duration and your claim being settled by your insurer - even if they recover costs from a third party (at fault).
If the third party is unknown, e.g. a hit and run, in most cases your insurer will settle your claim in the absence of a third party policy, then subsequently try to recover their losses from the Motor Insurance Bureau (MIB).
As long as your insurer pays out, then this policy will also make a settlement.
My Comprehensive Insurer is offering me a 'new for old' replacement for the first 6 months, why do I still need Motorbike GAP Insurance in the first year?

There may be instances where your insurer reduces your settlement to market value only within this 'new for old' period. This can be for a variety of reasons, which include things like exceeding the annual mileage limits, adverse condition of the motorbike, because the motorbike has been stolen rather than being involved in an accident or if a replacement motorbike cannot be sourced within a certain number of weeks of the incident.
In addition, you only have 180 days from the start of bike ownership to purchase your Motorbike GAP Insurance policy. Once your 'new for old' period passes, if you choose not to have GAP insurance in the first 6 months and 180 days pass, you will be left with just your insurance pay-out for the remaining period of ownership and could be left with a shortfall 2, 3 or 4 years down the line.
Does a Private Plate affect when I buy Motorbike GAP Insurance?

No. You can still purchase BeMoto Motorbike GAP Insurance immediately using the original registration.
Once your private plate is fitted to the motorbike please advise us of the new details and your records will be updated free of charge.
Whose name should I put my Motorbike GAP Insurance policy under?

The person named in the BeMoto GAP Insurance 'Policy Certificate' must be the registered keeper of the Motorbike in respect of Contract Hire/ Lease Finance and the authorised User of the Motorbike and (if applicable) who is named in the Finance Agreement.
How to Make a BeMoto GAP Insurance Claim
In the event of a possible claim under this policy, initially you should ensure that you have made a claim on your main motorbike insurance policy, then please follow the claims procedure set out below with written notice of the facts on which the claim is based, to be provided to the GAP Claims Administrator within 30 days of the date of the Total Loss.
If such notice should not be given within such period or any extension agreed by the Insurer, no payment under this policy will be granted.
Claims Procedure:
Contact the Claims Administrator: Bankstone Ltd, Holroyds Mill, Old Lane, Halifax, HX3 5WQ or by telephoning 0330 2020 660 or emailing claims@bankstone.co.uk with the following additional information:
- Your name, address and postcode
- A daytime contact telephone number
- The Policy reference number
- The Scheme reference number – LPGBTE217
- Details of the Vehicle
The Claims Administrator will then advise You how to proceed with Your claim. Please quote Your policy number in all correspondence.

Motorcycle Road Insurance FAQs

What is a motorbike insurance excess?

An excess is a contribution you are required to pay towards a claim you make on your motorcycle insurance policy, for example if you have a £250 excess you will pay the first £250 of a claim for fire, theft or accidental damage.
There is typically no excess on a Third Party Only bike insurance policy as you cannot claim for your own motorbike damage.
What is the difference between a Compulsory and Voluntary Excess?

A compulsory excess is a mandatory amount that an Insurer has specified to underwrite a particular policy. A voluntary excess is your own choice and is always in addition to a compulsory excess. So for example if your compulsory excess is £300 and you have chosen a voluntary excess of £100, your total excess is £400.
Selecting a voluntary excess may help to further reduce your insurance premium, please make sure that you are comfortable with the total excess.
What is No Claims Discount (NCD)?

A No Claims Discount (NCD), or No Claims Bonus (NCB), is a count of the number of years in which you haven’t made a claim on your motorcycle insurance policy. For each claim free year you will be awarded 1 years NCD. Accumulating NCD may help to reduce your premium as well as opening up an insurer's acceptability to insure you on certain motorcycles.
Your NCD needs to have been earned on a UK motorcycle insurance policy, be no more than 2 years old and be available to use (you can't use it on more than one policy).
When you have 4 or more years NCD you can add NCD Protection for an additional premium.
Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.
What is Protected No Claims Discount (PNCD) cover?

If you have accumulated 4 or more years NCD and have no more than one claim in the past five years, you can protect your NCD by paying an additional premium.
If you have no more than 2 claims in any 5-year period, your NCD entitlement will be unchanged and your NCD will not be reduced. If you make 2 claims in any 5-year period your NCD protection will end, meaning that the third and any further claims will reduce your NCD
Protected NCD does not protect the overall price of your policy. The price of your policy may increase following an accident even if you were not at fault, however it does ensure your no claims discount is not reduced, further impacting your renewal premium.
Please see Section titled ‘No Claims Discount (NCD)’ of your Policy Document for more details.
Can I use my Car No claims bonus / discount on my motorbike insurance?

In summary no, the NCD needs to be built up on a motorcycle. However in some circumstances we may be able to take NCD not built up on a motorcycle into account, we ask for details of other non motorcycle NCD on our quote journey so please make sure you provide details.
I have purchased a second motorcycle and want to take out a policy, can I use my NCD?

You can only use one set of NCD on one motorcycle at a time. If you do not have a second set of NCD please call us as we may be able to offer you a multi bike policy or apply a discount to recognise your experience.
Does my policy cover me for riding other motorcycles?

It is quite common to get cover for Riding Other Bikes (third party cover only within the UK) included in BeMoto motorbike insurance policies, however this can vary depending on factors, for example: your bikes engine size, the type of cover you have chosen or your occupation.
Please check with our insurance representative to see if this cover applies to you. It is best to check this when you get a quote, take out or renew your policy as it may require us to change the insurer we use for your policy to get this cover if it is important to you.
It will show on your Certificate of Insurance if you have this cover and is only valid within the UK - if you want a mate to ride your bike or you ride theirs overseas then you will need to add each other as named riders on the policy.
Does my motorcycle insurance policy cover me for riding abroad?
BeMoto motorcycle insurance covers you to legally ride in any country which is a member of the European Union and any country which meets Article 8 of EC Directive number 2009/103/EC (insuring civil liabilities arising from using a motor vehicle).
- Third Party Only Cover is included as standard in these countries;
- We also extend your cover for up to 90-days per trip for Fire & Theft (where you have TPFT cover) or Fire, Theft & Accidental Damage (where you have Comprehensive cover).
Post-Brexit you are still able to ride in these countries as standard (take a print out of your insurance certificate with you). However you may need may need other paperwork like an International Drivers Permit (IDP) from the Post Office. Check out our useful Guide to Riding in Europe.
Outside of Europe you may need a Green Card, subject to your insurer covering the countries on your trip - call us on 01733 907001 to find out which countries your insurer will cover and to request a Green Card with plenty of advance notice (don't leave it until the day before you go)!
Do I need to declare non motorcycle claims or driving convictions?

Yes, you must declare any claims or driving convictions irrespective of the vehicle they relate to. In some circumstances, subject to criteria, we may be able to waive the impact to your motorcycle insurance policy.
What types of motorcycle can I insure with BeMoto?
BeMoto is owned by bikers with an experienced team and a very wide range of products that cover all types of motorcycles (any type, age or value) - on or off road.
We particularly love modified bikes and multi-bike collections, as well as off-road bikes for track and dirt. Check out our range including:
- Modified bike insurance (we cover declared modifications for reinstatement)
- Custom bike insurance (from kit bikes to bitsa's and full on chopper builds)
- Modern Classic bike insurance (from modern classics to vintage bikes)
- Trike insurance (motorbike or car derived)
- Track bike insurance (including trackday damage)
- Dirt bike insurance (road-legal and off-road)
- Race van insurance (for bike transportation and sleeping at events/races)
To name a few...
Do BeMoto do travel insurance?

Yes, BeMoto offers travel insurance for bikers who want to tour in Europe, take part on overseas trackdays or off-road riding (whether that's Enduro, Motocross or cross-country adventure riding).
Most normal travel insurance policies exclude cover for riding large capacity motorbikes overseas, in other words they'll cover you for riding a 50cc moped or 125cc scooter but nothing more, so if you decide last minute to jump on a quad tour or hire a cruiser for the day you may not be covered for emergency medical and repatriation costs unless you buy specialist cover like ours.
BeMoto Travel and Repatriation Insurance (often known as "Repat") is also widely used for Euro trackdays and dirt bike holidays, including amateur racing events if you choose the additional options/packages on our policy - no cover is available for professional racing overseas.
How can I get cheaper motorbike insurance?
Clearly it's not as easy to change some things that affect your motorbike insurance premiums, like your age or where you live, but there are things you can do to cut the cost of your bike insurance policy, such as:
- Choose a broker like BeMoto who don't charge you amendment fees to make policy changes (it's not all about the up-front cost).
- Improve your bike's security, for example installing an approved alarm or tracker.
- Keep your bike in a locked building, even if it's only a wooden shed, outbuilding or in your home conservatory if you don't have a traditional garage (subject to some building security).
- Think about the mileage you really need, e.g. why pay for 10,000 miles when you only use it on sunny Sundays? However at BeMoto as we don't charge you an amendment fee you can increase your mileage later if needed with minimal hassle.
- Pay for cover annually rather than pay instalment interest - however ours is one of the lowest interest rates in the market if you need to pay monthly.
- Combine your bike collection together on a multi-bike policy, afterall you can only use your no claims bonus once and you can only ride one bike at a time...
- Pass an advanced riding qualification such as the Institute of Advanced Motorists (IAM), Enhanced Rider Scheme (ERS) and RoSPA Advanced Motorcycle Training.
- Choose the right bike for your experience, type of use and where you live, i.e. if you have no prior riding experience maybe aim for a well recognised starter bike like a 600cc naked/commuter vs. a high performance sports bike or hyper-naked, likewise a high value bike will often require a locked building.
- Increasing your voluntary excess often gives better discounts, but you need to be sure you can afford to lose that money in the event of a claim.
Why not check out our article on how bike insurance is calculated for more information.
Who has the cheapest motorcycle insurance?
It's a subjective question but if you're looking for the cheapest price and not bothered about the quality of cover then a comparison place will answer this question.
However if you care about you and your bike(s) being covered with good quality products and receiving awesome service then BeMoto is widely recognised as offering these benefits... Plus we are competitive, otherwise we wouldn't have thousands of satisfied customers on our books.
- NO amendment fees for policy changes at BeMoto (cheap can come at a cost later on elsewhere)
- Legal Expenses Insurance included with all road policies
- Incredible value Titanium Cover (market leading cover)
- Multi-Bike specialists for all bike types
Who is best for motorcycle insurance?
That's easy. We think BeMoto are the best for motorbike insurance.
- Privately owned and run by bikers (not some faceless corporation).
- NO amendment fees to make policy changes!
- Legal Expenses Insurance included with all road policies.
- Modifications experts (we actually cover declared modifications too).
- 90-days European cover per trip
- 5-star rated service (the best scores on multiple review sites)
- Multi-bike specialists for any bike type, value, age including modern and classics
How much does motorbike insurance cost?

Motorbike insurance can start from around £70 for classic bikes, but in reality it can vary significantly based on your personal circumstances, e.g. the value of your bike, your age and riding experience or bike history, modifications, where you keep it and what security is in place… Not to mention things like your claims history or any convictions.
The best way to get a good deal, with the right balance of price and quality, is to speak to a specialist like BeMoto Bike Insurance, who will tailor a quote to your needs and ask all those questions a website can’t to better understand your situation. By calling us directly, you will also ensure you are properly covered for things that some comparison websites might “assume” incorrectly about you or your bike, e.g. they may assume it is not modified when we all know 80%+ of bikes have been personalised…

Multi Bike Insurance FAQs

Can you insure two or more motorbikes on one policy?

As bike insurance specialists, BeMoto can insure any number of motorbikes as a multibike insurance package, including mixing modern and classics, road use and SORN bikes etc. Typically, you cannot have multiple riders on a multibike insurance policy, so you get significant discounts on any additional bikes - afterall you can only ride one bike at a time - however if you have a household of riders and bikes we can also work with you to create a package that gives you the best of both worlds.
See our feature on how multi-bike insurance is calculated.
How many bikes can be covered on a Multi-Bike policy?

At BeMoto there is no limit to the number or variety of bikes we can insure on ourmulti-bike insurance packages as they are tailored to meet your requirements. We can also insure collections on our SORN insurance policy too, wether they have a V5 or not (including unregistered dirt and track bikes).
We have customers ranging from two bikes to collections with 40+ either in a private garage or storage lock up. So why not give us a call on 01733 907000 and discuss your multi-bike needs with one of our specialists.
You could also try our multi-bike switching service for larger collections to save you time and hassle as well as saving money...
How does Multi-Bike Insurance work?

You can only use one No Claims Discount (NCD) on one bike policy at a time, so insuring each bike separately can end up being much more expensive when you have to use zero NCD for additional policies.
At BeMoto we can tailor a multi-bike insurance package to suit your needs using your one lot of NCD, no matter how many bikes you have, what type of bikes are in your garage (we can mix modern and classics) or what the total value of your collection is. We simply work out the main bike premium and add the additional bikes for a fixed cost based on each additional bike value.
Why not read our article to find out more about how multibike insurance is calculated.
How much does Multi Bike Insurance cost?

BeMoto multi-bike insurance can cost as little as £80 for classic bikes, but clearly will depend on what bikes are in your collection and where you keep them, as well as your experience and riding history.
Each additional bike can cost from as little as £11.20 for classic bikes, but it typically costs around £45-60 per additional modern bike, once the main bike premium is calculated - higher value bikes can be more expensive.
See our article on how multibike insurance is calculated.
Can you mix modern and classic bikes on a multi-bike policy?

Simple answer... Yes you can with BeMoto.
Mix modern and classic bikes with BeMoto multibike insurance where our policy is designed around your needs for whatever bike collection you have, including modern and classic road bikes, SORN and laid up bikes, even off-road and track bikes that are unregistered.
Classic and custom builds can also have Agreed Value for no additional charge, once we have seen photos we can agree a valuation with you before applying an endorsement.
Why choose BeMoto for your Multi-Bike Insurance policy?

BeMoto is a multi-bike insurance specialist with flexible packages designed around you and your collection. There is no limit to the number or types of bikes we can cover, we will create a package around your needs. Our policies all include Legal Expenses Insurance as standard, plus there are NO fees to make policy changes and our Titanium Cover provides breakdown for all your bikes on a single policy saving you time, hassle and money.
How is a Multi Bike Insurance quote calculated?

Our multi-bike insurance experts start by calculating which of your motorbikes is the highest rated by our panel of insurers, using the same No Claims Discount (NCD) for each bike. You then pay the premium to insure the highest rated motorbike, which includes your NCD and we add on the other bikes at a nominal cost based on their value.
As your NCD can't be used on multiple bikes at the same time, the additional bikes are added to your policy at a discounted fixed price on the understanding that only one bike can be ridden at a time, but they could all be stolen together when not in use or a garage fire could destroy them all at the same time - so you are only paying for one lot of road risk whilst still covered for the full value of your collection.
How much extra does Multibike policies cost?

Multibike insurance can start from around £80 for two classic bikes, but in reality most people have a mix of bike types and values, e.g. mixing modern and classics, some have larger motorbike collections (we don’t have any limits to the number of bikes) and others have high value machines that will clearly cost more.
BeMoto Multibike Insurance is probably the most flexible package in the market, we will mix all sorts of bikes, ages of bikes, bike values and even SORN or unregistered bikes (off-road or track for example).
Do you save money on multibike policies because you can only ride one bike at a time?

Yes. Once we work out the “main” bike (the highest rated), which covers the main road-risk premium, we then add the others at a nominal charge based on their value. Whilst you can only ride one at a time, they can all be stolen or damaged in a fire at the same time…
Can you add multiple riders to a multibike insurance policy?

In theory, no. It is multi-bike or multi-rider, so it would require individual policies. However, we can often tailor a package that feels like a multibike insurance product with one renewal date, one Direct Debit and benefiting from Titanium Cover for all bikes, but with separate policies and mirroring your No Claims Discount (or No Claims Bonus to some).

Travel & Repatriation Insurance FAQs

Does track day insurance cover me for personal injury?
We offer different types of track day insurance:
1. Trackday Bike Damage Insurance (for damage to your bike)
2. Trackday Travel & Repatriation Insurance (emergency medical and repatriation cover for hospital bills and getting you home)
3. Personal Injury Cover (Motorcycle Event) - Tax free lump sum payouts for listed bodily injuries or accidental death
Whilst the first two exclude payouts to you for injury, you can buy our Personal Injury Cover as an optional extra with our trackday bike damage insurance, or on its own as a standalone policy for trackdays, amateur racing (short circuit), superbike schools, off-road and wheelie schools - single day or a block of days for a race weekend or Euro trackday for example.
Does Repatriation Insurance cover private hospital treatment?

BeMoto Repatriation Insurance is a travel insurance policy (not private medical insurance). It's intended to cover emergency medical and repatriation costs, and much like with the NHS, you'd be expected to go to the local emergency department, if medically capable public facilities are available.
However, the insurers do understand that if you have an accident, e.g. whilst participating in a track or off-road event, you will be taken to the nearest appropriate medical facility, which could be public or private for initial treatment and assessment.
If you are admitted to a private facility, call the Emergency Assistance Helpline as soon as possible and the insurers assistance team will advise what options are best for you.
Never give a private hospital your payment information, and don't agree to any costs without prior authorisation from the insurer. Once the insurer has agreed to treatment, they will deal with any requests for payment from any private facility, so you should resist any request from them to make payment.
What's the issue with private hospitals?

Travel insurance policies generally exclude medical treatment in private facilities (unless absolutely necessary and pre-authorised).
Just like in the UK, private hospitals may not be equipped to deal with accident and emergency admissions, or have the range of staff needed to provide such treatment, investigation and care.
As businesses, private hospitals also exist to make profit and are often unregulated with less frequent inspections compared to public/state facilities. This means that private hospitals have been known to over-treat, delay treatment or discharge, over-inflate costs and allegedly have been known to claim for treatment that never actually happened (ever wondered why you need multiple scans or had to stay longer than necessary?).
Be aware that some hospitals provide private ambulances or encourage taxi's to ensure you end up in their clinics, which if you're not careful can lead to you being trapped in their care with large bills to pay.
However, we appreciate that some countries, even within the EEA, do not offer the same high standard of care we are used to with the NHS, plus the language barrier can be daunting when you're on your own in a foreign hospital. Research the local facilities in advance and make sure you call the emergency assistance team at the very earliest opportunity.
NEVER provide your payment card details to a hospital or clinic.
What motorcycle clothing do I need to wear for trackday repatriation insurance?
To be eligible for BeMoto Trackday Repatriation Insurance on a motorcycle trackday or amateur race meeting, you must select the correct activity pack and you need to wear appropriate track day motorcycle apparel, i.e.
- ACU approved model of helmet
- CE Approved apparel including:
  - Leather gloves that overlap or are underlapped by the sleeve
  - One piece leathers or two piece leathers that zip all the way around
  - Motorcycle boots that overlap or are overlapped by the leathers
  - Full length back protector – integrated or separate
Can I purchase a Repatriation policy when I'm at the circuit?
No. BeMoto Trackday Repatriation Insurance must be purchased BEFORE you travel. It must cover your whole trip duration, not just the days on track. It’s too late once you’re there... so plan ahead!
- You must also be a UK resident and not spent more than 6 months abroad in the 12 months prior to buying this policy
- You must be registered with a GP surgery in the UK
- You must start and finish your trip in the UK
- If you buy it in plenty of time before your trip it also provides some cancellation cover as well
Note: If you purchase cover at the side of the track for emergency medical costs, it may not cover things like repatriation back to the UK for you and anyone required to stay behind with you, in the same way a "Repat" policy does.
What's the difference between a "Repat" policy and my GHIC card?

EEA member states are obliged to treat UK citizens showing a European Health Insurance Card (EHIC) or a Global Health Insurance Card (GHIC), however in some cases (for example hazardous sports injuries) EHIC/GHIC is sometimes rejected by the hospital – rightly or wrongly - or it may only cover part of the costs. That’s why travel and repatriation insurance is required for overseas trackdays and off-road riding, even at public hospitals the bills can quickly rack up.
Significantly neither does the EHIC or GHIC get you repatriated home (where medically necessary and safe to do so) or where necessary repatriate one other person who is required for medical reasons to stay with you.
Remember repatriation can be very costly, for example if you can't safely travel in a normal plane seat, or the airline won't accept the risk of travelling without medical supervision for the journey. BeMoto Emergency repatriation cover is on top of the medical limits (£100k limit alive, or £50k in a body bag).
In some cases insurers have paid for relatives to fly out, including accommodation, to support customers when stranded overseas whilst receiving treatment. Again an EHIC or GHIC card won't provide this kind of support when needed.
Find out more about the GHIC here (please note residents of the Isle of Man or the Channel Islands are not eligible): Travelling Outside the EEA (NHS page)
Note: Make sure you answer all medical questions honestly and accurately when buying any travel insurance policy. Pre-Existing conditions will always be excluded unless declared and accepted by the insurer (sometimes for additional premium). Ensure you buy the cover whilst still in the UK, before you leave, and it must cover the whole duration of your trip.
Where does it say "Repatriation" in the policy document?

There are a lot of things covered by these policies so it's sometimes hard to find exactly what you are looking for. The Trackday Organiser (TDO) may want to see the word "Repatriation" or references to "bringing you home". to ensure you can get home in the event of an incident on track, in addition to cover for emergency medical treatment costs.
There are various references throughout the policy document to repatriation, but in particular if you look for the section called "If you need to be brought home" (Section B7 in the Silver Level policy and Section B8 in Gold Level).
Can I take part in a "Fun Race" at the end of the trackday trip?
Yes, as long as it's an amateur race event or session (not professional), but you must upgrade to the appropriate Activity Pack on the final page of the purchase journey.
- Activity pack 7 - Race Day or Event – Motorcycles* (an amateur race meeting)
*No Personal Accident or Personal Liability Cover applies to these activity (Track Day, Race Day or Event – Motorcycles). Cover is limited to Europe and Worldwide travel but excluding USA, South America and Canada.
Can I use this policy for dirt and trail riding, including Motocross?
Yes. This policy covers motorcycle touring and general off-road motorcycle riding or training as standard, with the appropriate UK driving licence, e.g. on rough or rugged terrain that is not a public highway.
You can also add activity packs for off-road riding, e.g.
- Activity Pack 3
  - Riding quad bikes (must wear a helmet) and snow bikes
  - Speed Trials/ Time Trials (Organised, not public roads)
- Activity Pack 6
  - Motocross (MX)
  - Amateur Motor Racing/ Rallies/ Competitions
An additional premium will be charged for activity packs.
Can I claim for damage to my bike on this policy?

No. Whilst we have separate trackday insurance policies available for accident damage to your bike on UK or European circuits, this trackday travel and repatriation policy does not cover damage to your bike.
Is it BeMoto who deal with the Travel Insurance and Repatriation claims?

No. BeMoto does not handle travel claims. The insurer has appointed CEGA Assistance to handle claims, including 24/7 emergency medical assistance and non-emergency claims. It is important to call CEGA Assistance on the number in the table above as soon as possible if any medical expenses are likely to exceed £500 or if you are admitted to hospital.
We can’t risk being a middleman delaying the process of getting you vital emergency treatment and we certainly don’t have specialist medical claims handlers, relationships with hospitals and medical experts or a team of foreign language speakers...
You, or someone in your party, should always call the CEGA 24 hour emergency assistance team on +44 (0) 1243 621 501 as soon as possible to get the insurer involved to ensure (a) you are taken to the most appropriate public/state medical facility and (b) it’s better if they agree treatment with the hospital in advance, where practical or possible, to avoid you committing to things they won’t agree to pay for.
For non-emergencies the CEGA general claims number is +44 (0) 345 258 7172. Open Monday to Friday 8am to 6pm (closed at the weekends).
Clearly if you’re unconscious or in no fit state to make phone calls then that may mean calling them later, at the earliest possible opportunity. If you wind up in a private hospital through no fault of your own, the insurer reserves the right to move you to a public/state hospital at an appropriate time (being careful not to risk your recovery).
NEVER provide your payment card details to a hospital or clinic.
Can I call BeMoto for Travel Insurance help and support?

In the vast majority of cases things go smoothly. We will never even hear about the majority of claims due to strict data protection rules around medical information, however things clearly can go wrong from time-to-time with so many parties in the process, including unfamiliar hospitals, cultures and non-English speaking Doctors.
BeMoto are here to support you as our client where possible by explaining the process and when necessary, chasing things up with the assistance company. Some of our team may occasionally hear about incidents on social media, trackday forums etc, but we cannot engage directly through those channels and in many cases wouldn’t be able to identify who you are anyway without more personal information. If we don’t know about issues with your claims experience we can’t help.
See our Trackday Repatriation FAQs for more questions and answers before buying online or speak to our specialist team on +44 (0) 330 880 0389 (you can also buy cover by phone).
Note: It's also likely that the insurer will not tell us or your friends specific details about your condition or treatment if we call them, unless you grant the insurer specific authority for someone else to act on your behalf (who can also pass data protection checks).