Your full name
The number of motorbikes you have
How you intend to use your motorbikes - for example, road, track or dirt riding
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.
What affects the price of multi bike insurance?
Insurers base their price on several risk factors, including:
- 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.
- 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
What does multi bike insurance cover?
There are 3 levels of cover to choose from:
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
Types of bike insurance
Cover for modern classic or vintage motorbikes.
Specialised protection for off-roading, green-lining, dirt and trial bikes.
For those riding on four wheels for sport, agricultural or fun.
Cover for bikes with small engines, commonly associated with first-time bike users.
Protection for your three-wheeled pride and joy.
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