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What Is Multi-Bike Insurance?
Multi-motorcycle insurance allows you to cover multiple bikes on one insurance policy. Because bikes come in so many forms, from super bikes to classics, giant traillies to monkey bikes, building a collection is the only way to get the full motorbike experience. Multi-bike insurance covers one rider for several motorcycles, and it can be a lot cheaper because it takes into account that you can only ride one bike at a time. Most policies are not intended for multiple riders, but some policies do permit adding named riders to specific machines or your whole collection. Whilst normally cheaper than a separate policy for each machine, it may still pay to check.
Individuals who need to insure two or more motorcycles are likely to fall into the ‘knowledgeable’ category, and probably already understand a lot about the subject. Important background information about motorcycle insurance in general can be found on our main motorcycle insurance page, so if you aren’t sure about something, it may help to refer to that. The information on this page is more of a ‘top-up’ specifically relating to multi-motorcycle insurance. You can find types of covers on our Motorbike page.
Maybe you ride a motorbike in your everyday world, but have something special in the garage for recreation. Or perhaps you’re a collector or an empty nester with a budget you never dreamed possible at the start of your motorcycling career? Whatever the case, there is a large and growing number of dedicated enthusiasts faced with the challenge of insuring their fleet of much-loved machines.
Most providers will cover different types and models of bikes on one multi-bike policy – whether classic, sports, superbike or scooter. Typically, different insurers will cover between four and twenty machines on a single policy. Multi-bike policies streamline the cover on your bike collection, so they may be convenient. With just one premium to pay and one renewal date, it keeps things simple.
Is Multi-Bike Insurance Lower Cost?
It most likely will be cheaper. Just to be sure, maybe first get a quote from the Insurance Cloud multi-bike comparison site. Compare that to last year’s premium if you know it, and then check out one or two of your motorbikes on a single-machine comparison site. You’ll be good to go then, from a position of knowledge.
The total price of your premium is normally based on the ‘main’ or ‘lead’ bike in your fleet or collection. That’s usually the one that’s most expensive to insure individually. Your other bikes are added to the policy at extra cost, usually at a discounted rate because you are, in effect, ‘bulk buying’ insurance.
Plus, as already mentioned, you won’t be able to ride more than one bike at a time, so you save on that part of the cover by effectively only paying for fire and theft cover for other bikes while they’re not being ridden.
The price of your policy will depend on the model and engine size of your bikes, as well as your age and riding experience, where you live and store your bikes, your annual mileage, and any modifications or accessories.
What Does Multi-Bike Insurance Cover?
Types of motorbike covers are discussed on the main motorcycle landing page, but you will probably find a lot of extras available on a multi-bike policy to augment your standard types of cover. You’ll need to check what’s included as standard in your policy. But there’s always the option to add extra elements of cover, including breakdown, helmet and leathers, personal accident, and legal. Sometimes a 24-hour advice line will be available, as well as a ‘riding other bikes’ option, and maybe lock and key cover by some insurance providers. Your options will be clear on your journey through the Insurance Cloud comparison site.
How Many Bikes Can You Insure on One Multi-Bike Policy?
There may be a ‘cap’ applied to some covers, but this is always self-evident on the results page because as you add more machines the Insurance Cloud leaves you with only the prices that are relevant at the end of the quote data capture. If you go down the standard route of obtaining multi-motorcycle quotes, you normally won’t find out the cap until you talk to somebody on the phone.
Don’t worry though, there are specialist multi-bike insurers with no limit on numbers that can quote for bikers who’ve built a larger collection of motorcycles.
Can Additional Named Riders be Added to Multi-Motorcycle Insurance?
Unlike multiple car insurance, multi-bike insurance is normally designed just to cover one rider of several bikes. As such it normally allows for just one machine to be ridden at a time. Essentially, this factor is at the heart of the lower cost of a multi-motor bike policy. The ‘road risk’ for the insurer is considerably reduced than if other ‘named riders’ could use bikes on the policy at the same time. This keeps the cost of premiums down.
Having said that, some insurers will allow you to add a named rider to your multi-bike policy although this will inevitably increase the cost of your premiums. Bear in mind that if you want to add one or more named riders, it may then be cheaper to insure your bikes separately and add named riders that way.
What If You Buy More Bikes?
Any policy will allow you to make changes, but bear in mind you will probably incur an administration fee, a change to the cost of your premium, and in some cases, you may find your existing insurer has no appetite for your new machine. Whilst rare, it can happen. It’s always best to check with your insurance company before making a new investment.
When a change to your policy happens, in insurance jargon a ‘mid-term adjustment’, the insurer can usually calculate the cost of the change until renewal, and that way the whole lot is recalculated from the same date for the next year.
Finally, though, remember that multi-motorcycle insurance means one premium to pay and one annual renewal date. So more convenient, and less prone to oversights and administration errors.
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