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Multi bike motorcycle insurance

Compare cheap multi bike insurance quotes

  • Request a callback or speak to an expert now

  • No limit on the amount of bikes you can insure with BeMoto

  • No amendment fees when making changes to your policy

Or speak to an expert now: 01733 979 194

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Multi bike quotes are provided by our partner BeMoto.

What is multi bike insurance?

Multi-bike insurance allows one rider to insure themselves for multiple bikes on a single policy.

It works slightly differently to multi-car insurance, where several drivers can be covered under the same policy.

Most people take out a multi-bike policy because it can be quicker and easier than taking out separate motorbike insurance for each bike you own.

And it can sometimes work out cheaper, too!

The benefits of multi bike insurance

  • It’s simple, all of your motorbikes are on 1 policy. You don’t have to juggle several renewal dates, or multiple sets of paperwork.
  • It’s convenient, easier to update your policy if your circumstances change, and cheaper as you won't have to pay admin fees.
  • Multi bike = multi buy: as you have multiple bikes under 1 policy, you may be able to make a saving as you’re essentially bulk-buying insurance.

How many bikes can I insure on one policy?

Some insurers put a cap on the number of bikes you can cover on one multi-bike policy.

But our partner BeMoto allows you to insure as many motorbikes as you like on one single and easy-to-manage policy.

This can be handy for those with a commuting bike and a second one for leisure. It can also be useful for collectors with multiple motorbikes. However, if you plan to grow your collection, you'll need an insurance provider without a limit on the number of motorbikes you can have on your policy.

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What does multi bike insurance cover?

Multi bike insurance covers 1 rider for several bikes.

There are 3 levels of cover to choose from:

  • Third Party
  • Third Party, Fire & Theft
  • Comprehensive
  • Third-party is the minimum amount of cover you’re legally required to have. It covers damage to other vehicles and property as the result of an accident that’s deemed your fault, but won't cover any damage to your own bike. 
  • Third-party, fire and theft gives you the same level of cover as with third-party. It also covers repair or replacement costs for your own bike if it’s stolen or damaged by fire.
  • Comprehensive offers one of the highest levels of protection. As well as covering other people and their property in the event of an accident, you’re also covered for damage to your motorcycle.

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, so 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 free.
  • 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.
beMoto multi bike insurance logo

Multi bike insurance extras and add-ons

You can add several extras to a multi bike policy, including:

Motorbike breakdown cover, providing you with roadside assistance.

Motor legal protection, helping you with legal costs following an accident.

Lock and key cover can cover the loss and replacement of your motorbike’s keys.

Motorbike kit cover, including helmets, meaning your motorbike clothing is covered if it’s damaged in an accident.

Riding other bikes, so you can be covered when riding a friend’s bike.

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Is multi bike insurance right for me?

If you have several motorbikes, you need to insure each one if you want to be able to ride them on the road.

For example, you might use a 50cc motorcycle to commute during the week and have a 125cc motorbike, or even a classic motorcycle, for weekend riding.

Multi-bike insurance could save you time and money.

That’s because with multiple motorcycle insurance all your motorbikes are insured on the same policy, meaning 1 application, 1 lot of paperwork and 1 insurance premium to pay.

You also have just 1 no-claims bonus (NCB) across all your bikes.

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.

What you need to get a multi bike insurance quote

Motorbike details:

Personal details:

  • The type of licence you have and how long you’ve had it
  • How you’ll use your bikes
  • Estimated yearly mileage
  • Any claims or convictions you’ve had
  • The motorbike security devices you have
  • Any additional rider’s details
  • Any extras you want

Need more help?

How do I claim on my multi bike insurance policy?

Speak to your insurance provider. Their contact details will be on your policy document, or you can find them on their website.

How are my multi bike insurance premiums calculated?

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.

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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.
Jack Cox motorbike insurance expert signature

Jack Cox

Motorbike insurance product manager

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.