BeMoto is a specialist bike insurance broker. Legal expenses cover comes as standard with all BeMoto policies, and customers can upgrade to a Titanium policy, which includes UK and EU breakdown cover, personal accident and helmet and leathers cover. Here’s what else we think you should know about this broker.
BeMoto was established in 2015 to provide specialist insurance for a wide range of bikers and their bikes.
It sources insurance policies for a variety of motorcycles, quads and trikes as well as scooters, modified bikes and classic bikes.
It also offers fire and theft cover for motorcycles kept off the road in a garage under the DVLA’s scheme called SORN (Statutory Off Road Notification). And it can offer track day cover.
BeMoto offers three standard types of motorbike cover but these policies can be customised to suit you.
The legal minimum level of cover required in the UK, third party protects you if your motorbike is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover is the costs related to repairing your bike or medical bills relating to personal injuries.
If you are responsible for causing an accident, you’ll be protected for damage to other people’s vehicles or property. You’ll also have protection against any fire damage or theft of your car.
This is the highest level of cover on offer through Aviva and will provide the same protection as TPFT as well as insuring your vehicle against accidental damage and vandalism. It’s always worth checking the cost of comprehensive as it can be cheaper than third party or TPFT.
BeMoto can also cover a wide range of bikes:
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | ✓ | ✓ | |
| Accidental damage | ✓ | ||
| EU cover extension up to 90 days | ✓ | ✓ | ✓ |
| Legal expenses cover (known as Carbon cover) | ✓ | ✓ | ✓ |
When taking out a motorbike insurance policy, customers can upgrade their cover level to Titanium, which enhances their protection with UK and EU breakdown, personal accident, and helmet and leathers cover.
Check your policy details to ensure you have the right cover for your needs.
BeMoto has some optional extras to provide increased protection in certain areas. Some of the additional cover options to bolt onto BeMoto motorcycle insurance are:
Any motorbike cover offered through BeMoto is likely to become invalid if any of the following arises:
Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess – which should lower your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Call the Bemoto claims line on 01733 907009 to make a claim.This is a 24-hour claims line open 7 days a week.
BeMoto recommends you have the following information to hand when making a claim:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
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