Multi bike policies

[yajeed]

I’ve always previously had separate policies for my bikes. I’m at the point of needing to insure between 2 and 4 bikes (from sports, tourer, old tourer that I may sell and track bike with daytime MOT (which I may not insure for the road)).

So, a multi bike policy sounds like a good idea. Do people generallfy find there’s a sweet spot at which it becomes preferential to multiple policies?

Any recommendations for good providers?

[mad4amanda]

worked out cheaper for me to do individual policies one insurer said that was because they were taking all the risk in one building of £50k in bikes!

[yajeed]

Even starting for scratch with no no-claims on each?

[burnsdavies]

Works out better for me I have 2 bikes on one policy but the mileage is limited
the same broker I use for my classic cars on a joint policy and my everyday car, fair price when I came to renew cheaper than last year the broker is Adrian Flux hope it helps

[Hungrymc]

I’ve just added a second bike and put it on a multi bike policy (first one has a lot of years of no claims). It was surprisingly cheap to add a much higher value bike and with no extra security. I’ll check a bit more throughly come renewal time but it made a big saving against starting a new policy.

[yajeed]

Will insurers do that (switch from single to multiple half way through the year)? Would you mind saying who you’re insured with?

[burnsdavies]

Mine allowed me to add the other bike when it's old policy expired

[Hungrymc]

yajeed said:

Will insurers do that (switch from single to multiple half way through the year)? Would you mind saying who you’re insured with?

I’m not necessarily advocating them as I haven’t claimed and they do have a few policy terms that i’m looking to change next year (no theft cover with 500m of the home address unless in the garage).

I’m insured through Bennett’s and they say the underwriter I was with only started to allow switches to multibike a month or two before I phoned (not sure if true or not). Underwriter is Zenith (ETA - shudder- )

Edited by Hungrymc on Sunday 8th July 22:33

[anonymous-user]

BeMoto has been fantastic for my multi bike, have 3 bikes with them on one policy, and it they have been great! Helps that you dealing with proper bikers too.

[yajeed]

I asked around and it seems that for me, insuring both bikes separately is the cheapest option. I get a very good deal on my sports bike, so the best multi-bike policy was a couple of hundred quid more expensive than both combined.