1. Home
  2. Motorbike insurance
  3. Multi bike insurance

Multi bike insurance

Compare cheap multi bike insurance quotes

Get a bike quote with Bemoto

  • Insure an unlimited number of motorbikes with our partner BeMoto

  • No amendment fees when you make changes to your policy

  • Request a callback or speak to an expert now

Or speak to an expert now: 01733 667 857

Lines are open:
Monday - Friday: 9am - 7pm
Saturday: 9am - 5pm

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 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.

Insuring all of your motorbikes under one policy can make it easier to manage. It means you'll only need to keep track of:

  • One application
  • One renewal date
  • One no-claims bonus

It also means you only need to pay once to cover all of your motorcycles.

All of our multi bike policies are provided by our trusted parter BeMoto.

Who is BeMoto?

BeMoto is a motorbike insurance company run by a group of motorcycle specialists. Their team can help you get a great deal on your insurance.

Their multi bike policies include:

  • Legal expenses cover up to £100,000 and 90 days' EU cover for all motorbikes on your policy.
  • No amendment fee, so you can change your policy whenever you need. If you need to add a new motorbike, add a modification or move home, you can do so for free.
  • They cover almost any motorbike - whether you've got a mix of classics and superbikes, trikes, modified bikes, quads and scooters. You can even include laid-up motorbikes that have a SORN.
  • There's no limit to the number of motorbikes you can include on one policy. So you don't have to worry about finding a new policy if you add a new motorbike to your collection.
beMoto multi bike insurance logo

What affects the price of multi bike insurance?

Insurers base their price on several risk factors, including:

You:

  • Your age. Younger riders tend to pay more as they're less experienced on the roads. This means they're at higher risk of being involved in accidents.
  • Your driving history. If you have any past claims or convictions, you're seen as more risky to insurers. So, you're likely to pay more.
  • Where you live. Living in an area with high crime rates means your motorbikes are more at risk of theft, increasing your costs.

Your motorbike:

  • The number of motorbikes you have. The more motorbikes you want to insure, the more your insurance is likely to cost.
  • The value of your motorbikes. Insurers calculate multi bike insurance prices based on your highest-value motorbike. And the more motorbikes you add, the higher your costs are likely to be.
  • Any modifications. Modifications can make repairs more expensive and time-consuming. Modified bikes might also need a specialist to fix them after an accident. This menas you're likely to pay more if your motorbike has any modifications.

What our motorbike insurance expert says

"A multi-bike insurance policy can be cheaper than individual policies for each motorbike. This is because you only need cover for riding one motorbike at a time. You'll still be insured to ride any of your motorbikes when you want to, but any you're not using are only covered for fire and theft when they're at home."

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

Get a bike quote with Bemoto

What does multi bike insurance cover?

There are 3 levels of cover to choose from:

  • Third-party is the minimum level of cover you're legally required to have. It covers damage to other vehicles and property as a result of an accident that was your fault. It doesn't cover any damage to your own motorbike. Although it offers the lowest level of cover, third-party insurance is often the more expensive option, costing £5721 on average.
  • Third-party, fire and theft gives you the same level of cover as third-party. But it also covers repairs or replacement costs for your motorbike if it's stolen or damaged by fire. Third-party, fire and theft insurance costs £4511 on average.
  • Comprehensive offers the highest level of protection. As well as covering other people and their property, you're also covered for damage to your own motorbike. Comprehensive is normally the cheaper insurance option, despite offering the most. It costs £3201 on average.

There are also 4 classes of use for motorbike insurance:

  • Social, domestic and pleasure (SD&P) means you only use your motorbike for social reasons. This can include days out or shopping. A comprehensive policy for SD&P costs an average of £2851.
  • Social and commuting (SDPC) covers you for social trips as well as commuting to a single permanent place of work, like an office.This also includes travelling to a train or bus station as part of your commute. SDPC costs £3781.
  • Class 1 business use covers you to use your motorbike to travel to multiple places for work. For example, if you use your motorbike to travel to meet customers or suppliers. Business use for one named driver costs £5441. For you and a named rider, business use costs £8191, on average.
  • Courier, delivery or dispatch insurance is for delivery riders or couriers. If this applies to you, you may need a specialist insurer. On average, a comprehensive policy for delivery use costs £2,2351.

1Based on Confused.com data June 2023

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 optional policy add-ons can I get with multi bike insurance?

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.

Is multi bike insurance right for me?

Before getting cover, you should make sure a multi bike policy will work for you. There are a few factors worth considering:

Compare the costs. It's always worth comparing your multi bike quote against the cost of insuring each motorbike individually to make sure you're getting the best price.

Work out what optional extras you need. Adding policy extras like breakdown cover or legal expenses can increase your price. Especially since you're adding each extra to every motorbike on the policy.

Consider whether you want to insure multiple riders. A multi bike policy is designed to insure one rider on multiple motorbikes. Adding riders might be more expensive than insuring the motorbikes separately.

Compare multi bike insurance quotes

Get a bike quote with Bemoto

How do I claim on my insurance?

Contact your insurer within 24 hours to make a claim on your policy. 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.

Types of bike insurance

Classic motorbike icon

Classic motorbike insurance

Cover for modern classic or vintage motorbikes.

Off-road motorbike insurance icon

Off-road bike insurance

Specialised protection for off-roading, green-lining, dirt and trial bikes.

Quad bike insurance icon

Quad bike insurance

For those riding on four wheels for sport, agricultural or fun.

Scooter insurance icon

Scooter and moped insurance

Cover for bikes with small engines, commonly associated with first-time bike users.

Trike insurance icon

Trike insurance

Protection for your three-wheeled pride and joy.

Motorbike insurance icon

Motorbike insurance

can offer you protection on the road. Whether your ride is a scooter, a classic, a superbike or something else, we can help you find your next policy.

Motorbike guides

Motorbike tax explained

You can tax your motorbike online, by phone or by visiting the post office. You'll need your V11 form and your MOT if you're taxing it at the post office.

How to cancel your motorbike insurance

You should be able to cancel your motorbike insurance policy at any time, but you might have to pay an admin fee. Here's what you need to know.

Touring Europe on a motorcycle: What you need to know

Nothing beats the freedom of taking your wheels out for a ride on the continent. Take a look at our tips for a touring Europe on a motorcycle. 

How to get your motorbike licence and pass your CBT test

We take a look through every step of becoming a biker - from getting your motorbike licence to taking your theory test, passing your CBT test and beyond.

How to claim on your motorcycle insurance

Claiming on your motorbike insurance can sometimes be confusing, so we're here to help. Here's how you make a claim on your motorbike insurance policy.

125cc motorbike insurance

We look into insuring your 125cc motorbike: What you need before you start riding, and the pros and cons of riding on your provisional licence.

See all motorbike guides

Page last reviewed: 04 September 2023

Reviewed by: Louise Thomas

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.

cookie usage

We use cookies, some of which are essential to make our website work. For us to use our non-essential cookies, we need your consent. You can consent by accepting all or alternatively, manage your cookies at any time. For more information, read our cookie policy.

Manage cookies
Do you want to accept non-essential cookies?

Non-essential cookies allow us to enhance your customer experience through testing and personalisation. They also allow us to present you with tailored advertising on social media.

Select yes if you agree to non-essential cookies