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Multi bike insurance

Get cheap multi bike insurance quotes

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  • Insure an unlimited number of motorbikes with our partner BeMoto

  • No amendment fees when you make changes to your policy

  • Save time by insuring all of your bikes on one policy

Multi bike quotes are provided by our partner BeMoto.

What is multi bike insurance?

Multi bike insurance covers you to ride multiple motorbikes on a single motorbike insurance policy.

It can be a useful and cost-effective option if you have multiple motorbikes for different purposes. For example, a 50cc motorbike for commuting and a 125cc motorbike for leisure. Or you might be a collector of classic bikes and want an efficient way to cover them all.

Benefits of multi-bike insurance

Easy to manage

Keep everything in one place with a single application, one renewal date, and one no claims bonus to track.

Less admin

Cut down on paperwork and avoid juggling multiple policies.

Potentially cheaper

Combining your bikes under one policy is often more cost-effective than insuring them separately.

Simpler renewals

No need to remember different renewal dates for each bike - it’s all handled at once.

Flexible cover

Policies can often be tailored to suit different bikes and riding needs.

Streamlined claims

Dealing with one insurer can make the claims process quicker and more straightforward.

What our motorbike insurance expert says

“The biggest hidden perk of a multi-bike policy is the admin. Having one single renewal date means you'll never accidentally find yourself on the road with an expired policy for your 'weekend' bike."
Profile image of Matt
Motor General Manager & Motor Insurance Expert Confused.com logo

How much is multi-bike insurance?

Average motorbike insurance cost*

£273*

confused.com data August-October 2025

Standard motorbike insurance costs £2731. Multi-bike insurance is likely to be cheaper. To check exactly what you’ll pay, compare quotes with our partner Bemoto - it's quick, easy and free.

Insurers tend to base their prices on several factors:

 

Your age: younger riders are often less experienced and are at higher risk of being involved in accidents.

Your driving history: If you have past claims, you are at risk of paying more for insurance.

The number of motorbikes and their value: insurers  calculate multi bike insurance prices based on your highest-value bike. The more motorbikes you insure, the more it could cost.

 

Bike modifications: Modified bikes might require a specialist to repair them after an accident, causing your insurance to be higher.

How many motorbikes can I insure on one policy?

This depends on the provider you're with. Some set a cap on the number of motorbikes you can insure. But others allow you to add an unlimited number of motorbikes to your policy. It's worth checking the policy details before you buy to make sure you're getting the cover you need.

Our partner BeMoto allows you to insure as many motorbikes as you like under one policy. You can also add more motorbikes during your policy if you need to. This can be useful if you're planning to grow your collection.

What do I need to get a quote?

When you get a quote, BeMoto needs a few details about you and your motorbikes.

Personal details:

  • Your full name
  • The number of motorbikes you have
  • How you intend to use your motorbikes - for example, road, track or dirt riding

Motorbike details:

  • Registration numbers, makes, models and estimated values
  • The year each motorbike was manufactured
  • Any modifications you've made
  • Any security devices you've added and where you keep your motorbikes

Compare multi bike insurance quotes

Multi-bike insurance upgrades and extras

Optional policy extras vary between insurers. The ones you choose to add to your insurance depend on your needs. Multi bike policies from BeMoto come with a few common extras as standard. For example, they include EU cover for up to 90 days and motor legal protection. You can also choose from a range of policy extras to increase your cover:

  • Excess contribution cover means you can claim back up to £500 of any excess you pay following a claim.
  • Licence defence cover provides legal assistance if you need to dispute a motoring charge.
  • Personal accident cover helps cover costs for medical treatment or hospital stays following an accident.
  • Helmet and leathers insurance covers the cost of replacing your helmet or safety clothing if it's damaged in an accident.

Different types of multi-bike insurance

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Third-party

Third-party is the minimum legal requirement. It covers damage to others but excludes your own motorcycle.

If your bike is stolen or damaged in an accident, you must cover all repair or replacement costs yourself.

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Third-party, fire and theft

Third-party, fire and theft offers the same benefits as third-party, but it also covers repair or replacement costs.

This level of cover could protect you if your motorbike is stolen or damaged during an attempted theft, or damaged due to a fire.

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Comprehensive

Comprehensive offers the highest level of protection and is often the cheapest option.

As well as covering other people and their property in the event of an accident, you're also covered for damage to your motorcycle.

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How do I claim on my insurance?

If you need to make a claim, contact your insurer within 24 hours of the incident. Some insurers may extend this to 48 hours, but waiting too long can invalidate your claim. You can find the contact details for your insurance provider on your policy document or on their website.

Keep any evidence, such as dashcam footage or receipts from a garage who carried out any repairs. You need this to help with your claim. If you've been given a crime reference number, you should also give this to your insurer.

Need more help?

Can I insure more than one rider on a multi bike policy?

Typically, no - multi-bike insurance usually covers one rider across multiple bikes. This means only one bike can be used on the road at a time, which helps reduce risk and keep the cost of the policy lower.

If I modify my bike, will it be covered by my policy?

Yes - your bike can still be covered if you make modifications, but you must tell your insurer about any changes. If you don’t declare modifications, your policy could be invalid, meaning you might not be covered if you need to make a claim. Some changes may also affect the cost of your insurance.

Motorbike guides

Types of bike insurance

Confused Multi Bike Insurance is administered by BeMoto. BeMoto is a trading name of Moto Broking Limited, an independent intermediary who are authorised and regulated by the Financial Conduct Authority under firm reference number 715903. Confused.com is an intermediary and receives commission from Moto Broking Limited, if you decide to buy through our website.