Introduction
Owning multiple motorcycles is a thrilling experience, but managing separate insurance policies for each bike can be a hassle. This is where multi-bike insurance comes in, offering a convenient and cost-effective way to insure all your bikes under one policy. Whether you own a mix of modern and classic bikes or seek the cheapest motorbike insurance in the UK, a multi-bike policy can simplify your life and save you money.
In this guide, we’ll explore the best multi-bike motorcycle insurance options available in the UK, helping you understand their features, benefits, and how to choose the right policy for your needs. Let’s dive in!
What is Multi-Bike Motorcycle Insurance?
Multi-bike motorcycle insurance is a policy that allows you to cover multiple motorcycles under one plan. Instead of juggling separate policies for each bike, you can consolidate everything into one agreement, reducing costs and administrative hassles.
How Does Multi-Bike Insurance Work?
Insurance providers calculate the premium based on the most expensive bike in your collection. Additional bikes are added at a discounted rate. While each bike can have its level of coverage, the policyholder must be the primary rider for all bikes unless specified otherwise.
Key Factors to Consider When Choosing Multi-Bike Insurance
Coverage Options
Multi-bike policies typically include:
- Comprehensive coverage
- Third-party, fire, and theft
- Third-party only
Policy Limits
Most providers allow up to 6 or 7 bikes on one policy, though this can vary.
Premium Costs
Multi-bike motorcycle insurance costs depend on factors such as:
- The value of each bike
- Your riding history
- Storage and security measures
- Modifications
Additional Features
Look for extras like:
- European cover
- Breakdown assistance
- Legal protection
Top Multi-Bike Insurance Providers in the UK
1. Bennetts Multibike Motorcycle Insurance
Bennetts is a well-known name in the UK motorcycle insurance market, offering tailored multi-bike policies to suit diverse riders.
Features:
- Flexible coverage options, including comprehensive and third-party policies.
- Discounts for adding multiple bikes to a single policy.
- Optional extras like personal accident cover and helmet and leather insurance.
- 24/7 claims helpline for quick assistance.
Pros:
- Competitive multi-bike motorcycle insurance prices.
- Easy online quote process.
- Wide range of additional coverage options.
Cons:
- Some riders report higher premiums for modified bikes.
- Limited availability of no-claims discount transfer.
2. Carole Nash Multibike Motorcycle Insurance
Carole Nash is renowned for its comprehensive multi-bike policies, catering to everyday riders and enthusiasts with high-value collections.
Features:
- European cover is included as standard for up to 90 days.
- UK and European breakdown assistance.
- Specialist coverage for classic and custom bikes.
- Multi-rider options for households with multiple riders.
Pros:
- Comprehensive policies with extensive standard features.
- Excellent customer service with a strong reputation.
- Additional benefits like legal expenses and accidental damage cover.
Cons:
- Premiums can be higher for high-performance bikes.
- Some optional extras may increase the overall cost significantly.
3. Devitt Multibike Motorcycle Insurance
Devitt is a trusted name in motorcycle insurance, offering customizable multi-bike policies that focus on affordability without compromising essential coverage.
Features:
- Tailored policies that allow riders to choose the coverage levels for each bike.
- Discounts for advanced riding qualifications.
- Access to a 24/7 claims line and UK-based customer support.
- Optional add-ons like key cover and personal accident insurance.
Pros:
- Affordable premiums for riders with a good claims history.
- Customizable policies to suit individual needs.
- Strong focus on customer satisfaction.
Cons:
- Limited standard features compared to competitors.
- Some riders may find the online quote process less intuitive.
4. Bikesure Multibike Motorcycle Insurance
Bikesure specializes in multi-bike insurance, catering to riders with diverse collections, including modern, vintage, and modified motorcycles.
Features:
- Flexible policies that cover modern and classic bikes under one plan.
- Options for including additional riders and bike modifications.
- Agreed value coverage for classic and custom motorcycles.
- Discounts for secure storage and advanced rider training.
Pros:
- Tailored policies for unique collections.
- Competitive pricing for classic and modified bikes.
- Excellent customer support and claims handling.
Cons:
- Some riders report variability in premium pricing.
- Optional extras can add to the overall cost.
5. Lexham Multibike Motorcycle Insurance
Lexham Insurance is known for its competitive pricing and strong focus on customer service, making it a popular choice for riders seeking affordable multi-bike policies.
Features:
- Competitive rates for insuring multiple bikes.
- Policies tailored to scooters, mopeds, and motorcycles.
- Optional extras like breakdown cover and personal accident insurance.
- Dedicated UK-based customer support team.
Pros:
- Among the cheapest motorbike insurance providers in the UK.
- Simple online quote process.
- Excellent customer service with high satisfaction ratings.
Cons:
- Limited coverage options for high-value or modified bikes.
- Fewer standard features compared to premium providers.
Pros and Cons Summary
| Provider | Pros | Cons |
|---|---|---|
| Bennetts | Competitive prices, flexible coverage, wide range of extras | Higher premiums for modified bikes |
| Carole Nash | Comprehensive policies, European cover, excellent customer service | Higher premiums for high-performance bikes |
| Devitt | Affordable premiums, customizable policies, discounts for training | Limited standard features, less intuitive online quotes |
| Bikesure | Tailored policies, competitive pricing for unique collections | Variability in premium pricing |
| Lexham | Competitive pricing, simple quote process, great customer service | Limited options for high-value or modified bikes |
FAQs on Multi-Bike Motorcycle Insurance
Which kind of multi-bike policy is suitable for me?
The right policy depends on your bike type and your riding habits. If you own a mix of classic and modern bikes, look for a provider like Bikesure that offers tailored coverage for diverse collections.
How can multi-bike insurance benefit me?
Multi-bike insurance simplifies policy management and often costs less than insuring each bike separately. It’s convenient and can include perks like breakdown assistance and European cover.
What comes with a multi-bike insurance policy as standard?
Most policies include third-party liability coverage, with options to add fire, theft, and comprehensive coverage. Some providers also offer extras like European cover and breakdown assistance.
Is multi-bike insurance worth it?
If you own more than one motorcycle, multi-bike insurance is typically worth it for the convenience and potential cost savings.
Can I insure two motorbikes on one policy?
Yes, multi-bike insurance is designed to cover two or more motorcycles under one policy.
Which insurance company is best for motorcycles?
The best company depends on your specific needs. Bennetts and Carole Nash are excellent for comprehensive coverage, while Lexham and Devitt are great for affordability.
Can I insure a classic motorcycle on a multi-bike insurance policy?
Yes, many providers like Bikesure and Carole Nash offer policies that cater to classic motorcycles.
What does multi-bike insurance include?
It typically includes third-party, fire, theft, and comprehensive coverage options. Extras like European cover, breakdown assistance, and legal protection can also be added.
Will each bike have the same level of cover?
Not necessarily. You can customize the coverage level for each bike based on its value and usage.
Can I add additional riders to my multi-bike insurance policy?
Yes, most providers allow you to add additional riders, though this may increase the premium.
Is multi-bike insurance expensive?
Multi-bike insurance is often more affordable than insuring each bike separately, but costs depend on factors like bike value, modifications, and riding history.
How is multi-bike motorcycle insurance calculated?
Premiums are based on the most expensive bike, with discounts applied to additional bikes. Factors like security measures and riding history also affect the cost.
How much would it cost to add a third bike to multi-bike insurance?
Adding a third bike typically costs less than insuring it separately. The exact cost depends on the bike’s value and the existing policy.
Can I get affordable cover without a no-claims bonus?
Yes, some providers offer competitive rates even without a no-claims bonus, though premiums may be higher.
How can I get more affordable multi-bike motorcycle insurance?
To reduce costs, consider:
- Installing security devices
- Keeping bikes in a secure location
- Opting for a higher excess
- Taking advanced riding courses
What are the benefits of a multi-bike policy?
- Convenience of managing one policy
- Potential cost savings
- Flexible coverage options
- Discounts for multiple bikes
How many bikes can be covered on a multi-bike policy?
Most providers allow up to 6 or 7 bikes, though this can vary.
How does multi-bike insurance work?
The premium is calculated based on the most valuable bike, with discounts for additional bikes. Coverage levels can be customized.
Can you mix modern and classic bikes on a multi-bike policy?
Yes, many providers like Bikesure offer policies that cater to mixed collections.
Can I get tailored multi-motorcycle insurance?
Yes, providers like Bikesure and Carole Nash specialize in tailored multi-bike policies to suit unique needs.
Thank you for reading my guide. I hope it helps you find the best multi-bike motorcycle insurance in the UK. If you have any questions or suggestions, feel free to leave a comment below. Safe riding!
