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Multi bike motorcycle insurance

Compare cheap multi bike insurance quotes

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

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Multi bike quotes are provided by our partner BeMoto.

Why multi bike insurance could be right for you

If you have a number of motorbikes, you’ll need to insure each one if you want to be able to ride them on the road. For example, you might use a commuter motorcycle during the week and have a sports bike or a classic motorcycle for weekend riding.

With separate policies, you could end up spending a lot on insurance. You’ll also have a separate no-claims bonus (NCB) for each policy. So if you get another motorbike you’ll have to start your NCB again from scratch.

A multi bike policy could save you money. That’s because all your motorbikes will be insured on the same policy and you’ll pay just one insurance price. You’ll also have just one no-claims bonus (NCB) across all your bikes.

What our multi bike insurance includes

We've partnered with BeMoto to provide you with a great value multi bike deal which 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 the best 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 will pass 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.
beMoto multi bike insurance logo

The benefits of multi bike insurance

  • It’s simple, all of your motorbikes are on one policy. You won’t have to juggle several renewal dates, or multiple sets of paperwork.
  • It’s convenient, and 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 one policy, you’ll also make a saving because you’re essentially bulk-buying insurance.

What you need to get a multi bike policy quote

You can get a multi bike insurance quote in just a few minutes. Having the following information to hand makes it even quicker and easier:

Motorbike details:

Personal details:

  • The type of motorbike 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
  • If you need any extras, such as pillion cover, breakdown cover or helmet & leathers cover

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How multi bike insurance works

Multi bike insurance policies work just like normal motorbike policies. You just insure all your bikes at once, with one price to pay.

You’ll still decide on the level of cover you need.

You’ll also declare what you’ll use your motorbikes for – social, commuting or business.

The price of your insurance is based on the most expensive motorcycle to insure, with each additional motorcycle adding an extra amount to your price.

The levels of cover available with multi bike insurance

As with single motorbike insurance, there are three levels of cover available:
  • Third-party is the minimum amount of cover you’re legally required to have. While you might think this would be the cheapest option for riders, that’s not always the case. It’s a basic level of cover that covers damage to other vehicles and property as the result of an accident that’s deemed your fault.

    It doesn’t cover your motorcycle for repairs or replacements if it’s stolen, damaged or involved in an accident.
  • Third-party, fire and theft gives you the same level of cover as with third-party, but also covers against repair or replacement costs 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.

Multi bike insurance extras and add-ons

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

  • Breakdown cover. Providing you with roadside assistance if you ever breakdown.
  • Legal cover, helping you with legal costs following an accident.
  • Lock and key cover can cover the loss and replacement of your motorbike’s keys.
  • Clothing and equipment, 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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When multi bike might not be the best option

Before taking out cover, you’ll 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. Things to think about include:

  • If you have more than one rider on the policy
  • If you need a range of extras
  • Comparing the costs

If you have more than one rider on the policy it will 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.

Comparing the costs. If you’re adding extras to a policy, some will cover you and all your motorbikes, while others might cover just a single motorbike, so you’ll need to buy them several Thertimes. This is often where multi bike insurance works out cheaper overall.

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 product expert signature

Jack Cox

Motorbike insurance product manager

Need more help?

Can I add additional riders to my multi bike insurance policy?

Yes, you can. But it might cost you more. Multi bike insurance covers one rider for several motorbikes. It’s competitively priced because only one bike be on the road at any one time. Some multi bike insurance providers will allow you to add a named rider to your policy, but your price might well increase. You could be better off with a standard motorbike insurance policy.

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 many motorbikes can I insure on one policy?

As many as you want. Some insurance providers have a cap on the number of bikes you can have on a multi bike policy, but BeMoto doesn’t have a limit.

Is multi bike insurance suitable for a motorcycle collector?

Yes. If you intend to keep growing your collection, look for an insurance provider without a limit on the number of bikes you can have on your policy.
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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.