It’s very common for bikers to have several motorcycles. In fact, the average MCN reader has more than one – whether that’s a modern adventure bike and a classic, a cherished cruiser and a cheap runabout or a sportsbike for the weekend and a 125, moped or even electric for the commute.
In fact, many of the MCN team have more than one bike themselves. Editor Rich Newland has a small fleet (see below), office manager Ali Silcox has everything from 90s sportsbikes to a 125 scooter and senior designer Simon Relph has a collection of over 30!
If you’re lucky enough to own more than one, then you’ll understand the headache of trying to keep up with the admin: VED, MOT, service, breakdown cover, and of course, insurance.
MCN offer policies that are specifically designed for insuring more than one bike. Each multi bike policy is different and unfortunately this makes them too complicated for the comparison algorithm to calculate at the moment. But if give us a call on 0330 022 4906 an actual human will be on hand to work it all out for you.
For a basic run-down of what you can expect, read on for our guide to multi bike insurance.
How do multi bike insurance policies work?
Multi bike insurance policies work on the premise you can only ride one of your bikes at a time. So, while you’re out riding one bike, the ones at home will still be protected against accidental damage, fire and theft – if that’s the level of cover you’ve selected.
Read more about the types of cover motorcycle insurers offer here.
What is the benefit of having multi bike insurance?
The price of a multi bike policy is based on the bike in your collection that the insurers consider to be the biggest risk. You will be charged for each additional motorcycle on the policy, but multi-bike cover can often be a cheaper option. Also, having a multi-bike policy can help avoid paying potentially higher premiums.
If you have one policy already running it gets all the benefits of the NCD, but if you then buy another motorcycle, in most cases your insurance covers you as if you were a new rider.
At MCN Compare we can compare all the top insurers in one place so will make sure we find the right multi bike quotation for you. MCN Compare cannot offer multi bike motorcycle insurance via our online comparison tool. To get a multi bike insurance quote call our number here: 0330 022 4906 and find out how much you can save!
What bikes do people generally have in their fleets?
Some insurers will let you cover a mix of motorcycles such as modern and classic bikes on one policy. MCN can compare all the top motorbike insurance providers in one place, so will make sure we help find the right multi bike quotation for you and your personal situation.
Typical collections often include at least one more exotic model, such as a classic (like a Honda CB750) or a modern sportsbike (how about Ducati’s Panigale V4?), alongside a more practical machine such as an adventure bike (BMW’s R1250GS is hugely popular) or sports tourer like the Kawasaki Versys 1000.
Off-roaders are another type of motorcycle people have in their collections, with bikes like the Honda CRF300 Rally proving entertaining as well as hugely reliable.
Of course, if you’ve got a fleet of bikes, you’ll also want to make sure they’re securely tucked away when not in use. The advice for keeping multiple bikes safe is the same as for a single one, although collections are more likely to be kept inside. Good security is something insurance companies will want to know about, which will help you obtain the lowest possible premiums.
How do I get a multi bike insurance quote?
To compare and save on multi bike insurance call our number here: 0330 022 4906.
At this time, MCN Compare can not offer multibike insurance via our online comparison tool due to the complex nature of the quote. We’d advise you to call us, and please mention you’ve read this guide online.
Enjoy your fleet of bikes!
Case study: Multi bike insurance with MCN Editor Richard Newland
How long have you been riding?
“I first rode a motorcycle when I was five – so that’s 42 years, but I really got started in earnest when I was 11 years-old and got my first bike.”
Which bikes are currently in your garage?
- 1975 Honda CB750 Dunstall (below)
- 1986 Suzuki GSX-R750 G ‘Slabby’ (below)
- 1998 Ducati 996 Biposto (below)
- 1998 Honda VFR800FiW
- 2007 Honda VTR1000 SP-2
Which one do you like the best?
“That’s a brutally hard question. I bought them all because I love them for what they are. If I could only keep one, it’d be the SP-2. And the 996. And the GSX-R… Oh, I give up…”
What advice would you give to somebody shopping for multi bike insurance?
“Make sure you’ve got a lot of physical security. My garage has an alarm and a Guardsman barrier fitted, then I have three ground anchors (two bikes per anchor) and use a Gold or Diamond-standard heavy-duty chain and disc lock on every bike. Three of them have trackers fitted, too. Why make it easy for thieves? Beyond that, make sure you have really good insurance in place (and that you’ve been honest about the mods on your bikes), and ensure you use battery chargers to prevent huge bills for dead cells. Plus, if you’ve got a big V-twin that likes to chew sprag clutches, the last thing you want is a weak battery. Invest in paddock stands to keep wheels off the ground, and I find I can cram more bikes in the garage if I use a couple of Wunderlich Easy Park dollies – they’re genius for bikes with centre stands. Also keep a little black book with all your key dates in (or a spreadsheet) so you know when all your tax, MOT, insurance, servicing etc is due.
“For nearly 20 years I only bought red sportsbikes, that way my wife was never quite sure if it was the same bike she’d seen previously. When I bought a green ZXR750 H2, I kept it at my workshop instead!”
