Why multi bike insurance could be for you
If you have several motorbikes, you need to insure each one if you want to be able to ride them on the road.
This can mean a lot of paperwork for you, and a lot of time spent looking for the best quotes.
With separate policies, you could also end up spending a lot on insurance.
A multi bike policy could save you time and money.
That’s because all your motorbikes are insured on the same policy, meaning 1 application, 1 lot of paperwork and 1 insurance price to pay.
You also have just 1 no-claims bonus (NCB) across all your bikes.
With separate policies, you have a separate NCB for each bike, which could mean less discount for you, and a lot more to keep track of.
What does multi bike insurance cover?
Multi bike insurance covers 1 rider for several bikes.
As with single motorbike insurance, there are 3 levels of cover available:
- Third Party
- Third Party, Fire & Theft
What our multi bike insurance includes
We've partnered with BeMoto to provide you with a great value multi bike deal that includes legal expenses cover and 90 days' EU cover for all your motorbikes.
BeMoto use a team of motorbike specialists, so they know how to get you a great deal on your motorbike insurance.
There’s no amendment fee. You can change your policy whenever you need to. You can change a motorbike, add a new motorbike, add a modification, change jobs or move home – all for no admin fee. The insurer passes on any change in price, though.
BeMoto will cover pretty much any bike. You can mix classics and superbikes, trikes and scooters, quads and modified bikes. You can even include laid-up, SORN and unregistered bikes on the same multi bike policy. And there's no limit to the number of motorbikes you can cover.
When multi bike might not be the best option
Before taking out cover, you need to be sure that a multi bike policy works for you. It's always worth comparing your multi bike quote with the cost of insuring each bike individually to make sure you’re paying the cheapest price. But there are other things to think about too, like:
- If you have more than 1 rider on the policy
- If you need a range of extras
- Comparing the costs
If you have more than 1 rider on the policy it might push up the road risk for the motorbikes, so the cost could go up. A multi bike policy might not work out as cheaper than insuring the bikes separately.
If you need a range of extras, such as breakdown cover or legal expenses, it could push up your overall price. This is because you’re adding each extra to multiple bikes.
If you’re adding extras to a policy, some will cover you and all your motorbikes, while others might cover just a single motorbike. You might find that you need to buy them several times. This is often where multi bike insurance works out cheaper overall.
Need more help?
One of the reasons a multi bike insurance policy can save you money is that you only need full road liability cover for one bike at a time - the one you're riding. Other bikes listed on the policy only need fire and theft cover when not being used.
That doesn’t leave you and your bikes at risk though -you’re still insured to ride all your bikes. But as you can only ride one at a time, BeMoto picks the highest risk bike to generate your price. It then adds any other bikes to the policy based on a percentage of their value. Once all bikes are added, this gives you your total policy cost.
What our motorbike insurance expert says
A new addition to the family is always welcome, but as with a child, a new motorbike brings its own challenges, such as another insurance policy and renewal date to remember, on top of the additional cost. A multi-bike policy helps with all that, covering all your bikes on one policy and allowing you to add or remove them when you need, along with reducing the cost of insuring each motorbike.
Motorbike insurance product manager