SORN Insurance for Laid Up Motorbikes Secured in a Locked Building

Fire & Theft Cover
Save Money
Highly Rated

All types of SORN and Unregistered Motorbikes Covered

Our SORN Insurance is designed specifically for bikes that are laid up and securely stored in a locked building and can cover up to 10 bikes on one policy, no matter what they are or whatever the reason, e.g.

SORN Bikes
Laid Up Classics
Unregistered
Kids Bikes
Imports
Dirt Bikes
Track Bikes
Project Bikes
Off the Road

What is SORN Insurance?

If you have motorbikes that are laid up and not taxed or insured for road use, then you need to declare them as 'off the road' with a Statutory Off Road Notification to the DVLA. Even parking an untaxed bike on the public highways is an offence and can lead to prosecution and/or your bike being impounded or crushed.

Once your bike is off the road and declared as SORN there is no legal requirement to insure it, but your bike(s) are still at risk from fire, theft or malicious damage... That's where SORN Insurance comes in.

And even though unregistered bikes (without a V5 log book) do not need to be declared SORN, they are equally at risk from a garage fire, malicious damage, attempted theft or being stolen. Criminals go to extraordinary lengths to steal motorbikes, even when they appear to be safely locked away, e.g. dismantling sections of garage structure to gain access!

Do I need SORN Insurance?

If you have a bike (or collection) that you can't afford to lose, but have no plans to ride your bike on the road then SORN Insurance is an ideal solution. In many cases, it's pretty cheap compared to road insurance as there is no third party liability risk - the key factor in pricing is the bike's value and you do not require any no claims bonus etc.

Fire - Garage fires are rare but they do happen
Theft - If a criminal wants your bike they are pretty determined
Malicious Damage - This includes attempted theft (damage caused trying to steal it)

The main things you need to qualify for this product are:

A sturdy locked building - This does not have to be at your home address (it can also be inside your home)
Decent security - This includes things like approved anchors and chains or locking your bikes together
Identifying Marks - If your bike is not registered with the DVLA (no V5 log book) then it will need to have a DataTag if it's worth over £4,000

Fire and theft cover for all types of non-road motorcycles:

Laid up road bikes - Has a registration number but is declared SORN
Unregistered bikes - Dirt bikes, track or race bikes, imports and kids bikes
Project bikes - A renovation or custom build that's not yet ready for road use
Multi bike collections - Up to 10 bikes per policy (mix and match types)

Why wait until it's too late...

Call for a Quote

SAVE MONEY WITH LAID UP INSURANCE

WHY PAY FOR ROAD COVER?

If you don't use your bike on the road then you can save money with Fire & Theft Insurance:

Vehicle Tax - The road fund licence is to pay for the upkeep of roads and you're not using them
Service & MOT - There's no need to keep your bike serviced or MOT'd (unless you want to)
Insurance - Road insurance covers third party liability, which is a key part of the claims cost, whereas laid up policies only worry about the fire, theft and malicious damage aspects

This is a 'Non Road' policy. There is no cover whilst riding on a public highway or on private land.

This is a Fire & Theft Insurance only for your bike(s) when locked up or in transit (van or trailer). We have other products available for your Motorbike Insurance (for use on the roads), as well as Track Day Damage Insurance to cover damage caused in an accident whilst riding on UK or EU motorcycle track days.

SORN Insurance poster with a bike under cover in the garage

SORN Insurance FAQs

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).
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.
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.

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