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What is multi bike insurance?

If you’re the kind of rider who can’t settle for just one bike, a multi-bike insurance policy might be your new best friend. Here we’ll learn what’s covered, what’s not and how to get the best quote for your bike collection.

Instead of juggling separate policies, renewal dates, and paperwork for each bike, a multi bike insurance policy lets you cover multiple machines under one policy, with one premium and one renewal date. It’s a smarter, more streamlined way to protect your pride and joys, and it could save you money compared to buying separate policies for each bike.

Multiple bike insurance enables you to ride with peace of mind, knowing all your bikes are protected, whether you’re out on your favourite for a Sunday blast, or trudging into work on the commute. We’ve partnered with a leading provider of multi bike insurance, Bikesure, to get you some of the best quotes around.

Why choose The Bike Insurer?

Is multi-bike insurance worth it?

For many riders, it can be. If you own more than one bike, a multi bike policy isn’t just about convenience, it’s about value.

You’ll only have one set of policy documents to keep track of, one renewal date to remember, and one insurer to deal with if you need to make a claim. But crucially, you could save money, as insurers often offer a discount for insuring multiple bikes together.

Multi-bike insurance is worth considering if you want to avoid the hassle of managing separate policies or simply if you’re looking to save money.

It’s especially handy if your bikes are used for different purposes, such as commuting, touring, or just for fun, because you can tailor your cover to suit your needs.

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How do multi bike insurance policies work? What's covered?

A multi bike insurance policy typically covers all your bikes for the same risks as a single bike policy, just with the added bonus of one policy for multiple bikes.

Some policies include EU cover, so you can take your bikes abroad, and your existing no claims discount can be utilised to help bring the overall cost down.

If you’re looking for flexibility, multi bike insurance allows you to add or remove bikes as your collection changes, so your cover always fits your needs.

What levels of multi bike insurance are there?

Just like standard motorbike insurance, multi-bike cover comes in three main varieties:

Comprehensive

The most complete level of cover. It protects you, your bikes, and third parties against damage, theft, fire, and more. If you want peace of mind for all your bikes, this is the way to go.

Third party fire and theft

Covers you if your bikes are stolen or damaged by fire, as well as any damage you cause to a third party’s vehicle or property.

Third party only

Third party insurance is the most basic level, covering damage to other bikes, vehicles, or property, but not your own.

You can choose the level of multi bike insurance cover that suits your collection and your budget. Bikesure lets you mix and match, so your classic bike might have comprehensive cover with an agreed value, while your daily ride has third party fire and theft.

Optional policy extras

Multiple bike policies from Bikesure come with £100,000 of free legal cover, but there are optional extras you can choose to add, including:

Helmet and leathers cover: Protects your riding gear if it’s damaged in a crash.

Bike personal accident cover: Offers financial support if you’re injured while riding.

Breakdown cover: Keeps you moving if your bike decides to take a break.

How much does multi bike insurance cost?

The cost of multi bike insurance depends on a few things, including:

  • The number of bikes you want to cover
  • Their individual and collective value
  • Your riding experience
  • Your post code
  • No claims discount

You’ll pay one premium, which can often be split into monthly instalments if that suits your budget. The more bikes you add, the more you could save, especially if you’re covering classic bikes, modern motorcycles, or a mix of both. Bikesure will give you a multi bike insurance quote based on your full details, so you can see exactly what you’ll pay.

How to get cheaper multi bike insurance

Looking for cheaper multi bike insurance? Here are a few tips:

  • Store bikes securely – keeping them in a locked shed, garage or storage unit reduces risk.
  • Invest in security devices – quality locks, ground anchors, alarms or tracker make your bikes less attractive to thieves.
  • Take an advanced rider course – extra qualifications show insurers you’re a safer rider.
  • Join a biking club – members are often enthusiasts who look after their machines.
  • Increase your voluntary excess – it should help lower your premium, but make sure you can afford it if you need to claim.
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How to get a multi bike insurance quote

Getting a quote for a multi-bike policy is straightforward. Before calling up, make a list of the details that insurers will ask you about each of your bikes. If you’ve got a few, it might be quite a bit to remember!

• Make and model • Age • Value • Registration numbers • Any modifications

You’ll also need to provide your own riding history and how you use your bikes.

Be honest and thorough with your information to avoid any problems later on, and the more accurate your details, the more likely you are to find a suitable policy at the right price. And remember, you can always add an additional bike to your policy later if your collection grows.

What if I want a separate policy for each bike?

No problem, The Bike Insurer is ready to help 24/7. We scour the market to find the best deals for bikers, and our online quote platform is easy to use. But if you’d prefer a price comparison quote over the telephone, we can help with that too, just call the number at the top of this page!

Our aim is to help you find the right insurance at the best price as quickly as possible so you can get out on your motorbike, which after all is what biking is all about! We’re FCA regulated too, as are all the insurance brokers we deal with, so peace of mind comes as standard!

What if I need to make a claim?

If the unexpected happens and you need to make a claim, having all your bikes on one policy makes things simpler. You’ll deal with one insurer, one set of policy documents, and one claims process. Just contact your claims handler as soon as possible, provide full details of the incident, and they’ll guide you through the next steps.

If you have a protected no-claims discount, be sure to ask your insurer how a claim might affect your policy premium.

Hear from our insurance price comparison specialist...

What’s new or changed in the motorbike insurance market which I should be made aware of?

Motorbikes are more expensive than ever, something you’ve probably noticed! That gets reflected in repair costs that insurers have to pay for, which hasn’t helped premiums, but neither have increasing theft rates and insurance fraud. On the positive side, telematics, limited mileage, and pay-as-you-go deals have helped some consumers keep their premiums under control.

Ed Bevis, Insurance Price Comparison Expert

Get Multi bike Insurance with The Bike Insurer

The Bike Insurer compares quotes from dozens of UK insurers to help you find the right cover and the cheapest multi bike insurance quotes.

It's quick and simple, just fill in the online forms or give us a call and The Bike Insurer will do the rest. From cover for quad bikes to motorbikes, The Bike Insurer’s sole aim is to help you get good quality insurance, quickly and at a price you can afford.

FAQs about multi bike insurance

How many bikes can I insure on a multi bike policy?

With Bikesure, as many as you’ve got! Other providers might limit the number of bikes to just 4 on a multiple bike policy.

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

Possibly, but beware that this will likely increase your premium. Not all insurers will allow this.

Can I add a bike to my policy after it has started?

Absolutely. Multi bike insurance allows you to add an additional bike at any time, so your cover grows with your collection.

Is multi bike insurance cheaper than standard motorbike insurance?

For most riders with more than one bike, it certainly could be. You could save money compared to buying a separate motorcycle insurance policy for each bike.

Can I insure a motorbike I don't own under this policy?

Usually, you need to be the registered keeper or have the owner’s permission.

Could I ride a motorbike while insured by a car insurance policy instead?

No, car insurance doesn’t cover motorcycles. You’ll need a dedicated bike insurance policy.

Can I ride a motorcycle on multi bike insurance if I've just bought it?

Yes, as long as your insurer has added it to your policy and it’s road legal, you’re good to go!

Could a collection of laid-up bikes be covered under a multi bike insurance policy?

It will depend on the underlying insurer. Call the number and speak to the team about a laid-up bike insurance policy.

Does multi bike insurance cover modified motorbikes?

It can, but you’ll need to declare all modifications clearly when you speak to the insurance broker.

Does multi bike insurance cover classic motorbikes?

Yes, classic bikes can be covered alongside modern motorcycles. Just provide full details when you get your quote.

You could even get agreed value for your classic pride and joy meaning that if the worth happens and it’s written off, you could get better compensation than if it were valued on a market value basis.