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Multi Bike FAQs

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Whether you collect and restore vintage bikes or can’t choose just one bike from your collection to regularly ride, multi bike insurance could be for you. Here we answer all your burning questions about multi bike policies.

What is multi bike insurance?

Multi bike insurance is exactly what it sounds like – an insurance policy that covers someone who has multiple motorbikes. Rather than insuring each motorbike on a separate policy, multi bike insurance covers all of them under one policy and one premium.

Is multi bike insurance cheaper than insuring each bike separately?

Yes. The amount you can save depends on the style of bike or level of no claims bonus (NCB) you have. NCBs can only be used on one policy at a time, meaning that if you were to insure each bike separately, you could only apply your NCB to one bike. The remaining bikes would need to be insured without your NCB, resulting in higher premiums. In contrast, multi bike insurance covers all motorcycles under a single policy. So, your NCB is applied to all of them.

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

Some insurance providers have a limit to the number of bikes per policy, but others cater for an unlimited amount. As Bikesure uses a variety of insurers, there is no limit to the number of motorcycles you can insure on one policy.

Can I add bikes to my existing motorcycle insurance policy?

You can add one or more bikes (up to the limit, if you have one) at any time during the term. As you can only ride one bike at a time, rates for additional bikes are low.

Can I insure two motorbikes under one policy but with different levels of cover?

In most cases, cover will need to be the same across all bikes. If you need different levels of cover, we’ll be happy to discuss your needs.

Will cover for additional bikes have different renewal dates?

No. Any bikes that are added to your policy mid-term will have different start dates, but will renew at the same time.

Will I earn no claims bonus on each bike?

Your no claims bonus (NCB) will be earnt on the main bike only, assuming there are no claims made during your policy term that affect it. A claim made on any bike covered by your policy can affect your NCB, not just your main bike.

Why do my documents show 0 (zero) no claims bonus and 0.01p premium?

As your no claims bonus and premium is listed on the main bike, any additional bikes will show 0 (zero) no claims bonus and a minimal premium.

Can I remove one or more motorcycles from my multi bike policy?

Yes, motorcycles can be removed or replaced at any time. You don’t need to cancel your policy mid-term if you only have one bike left to cover. Instead, you can retain the multi bike policy until the end of the term, adding one or more motorcycles during this time as required.

Will I get a refund when I remove a bike from my policy?

Additional bike fees are usually a minimal amount which means there is no refund due back on cancellation.

Can I have more than one rider on a policy?

It’s possible. However, most insurers will only cover one rider, meaning the premium will be less competitive.

Why does each bike have a different policy number when they are part of the same policy?

Every bike needs to be listed on the Motor Insurance Database individually, meaning each one needs its own number.

Will breakdown cover apply to all motorbikes?

No. You need to choose which bike you’d like the breakdown cover to apply to or you can buy additional breakdown cover at a reduced cost.

What are the benefits of multi bike insurance?

The biggest benefit of multi bike insurance is that it allows you to insure multiple motorcycles on one policy. This means you’ll only have one premium to pay and one renewal date, making the insurance process far easier than setting up multiple single bike policies.

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Insurance fit for a King

Four-time World Champion and King of The Jungle Carl Fogarty teams up with Bikesure Insurance

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Insurance to ride any bike

Agreed Value Insurance

Helmet and leathers

Keycare Insurance

Motorcycle Breakdown

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Get a cheaper quote over the phone by speaking to our friendly, expert staff today.

From our Norfolk-based offices, our teams of insurance experts are ready to take your call, and to help you get great cover at a great price.

Just click the callback button and we’ll give you a call at a time that suits you.

Insurance to ride any bike

Ever fancied borrowing a friend’s or family member’s bike, but been worried that you might not be insured should you have an accident?

With Bikesure’s “ride any bike” insurance, you could add the equivalent of comprehensive insurance to your policy while you ride other people’s bikes – leaving you and the owner safe in the knowledge that you’re covered, whatever happens.

With up to a £10,000 claims limit, accidental damage, third party, fire, and theft cover included, and no need to let us know every time you borrow a new bike, you’ll be free to hop on and hit the road whenever you like.

Agreed Value Insurance

Whatever bike you ride, from a scooter to a cruiser, dirt bike to superbike, you want to know that you can claim back the full value of your bike if it’s written off.

With agreed value insurance from Bikesure, we’ll work with you to agree the true value of your bike when you take out a policy, and make sure that you get that sum back when you need to claim – helping you to fund a replacement bike without leaving you out of pocket.

Helmet and leathers

It’s no secret that your helmet and leathers are some of the most important items for staying safe on a bike – and that they can cost hundreds of pounds to replace if damaged.

For just £29.99 a year, our helmet and leathers insurance will cover up to £1,500 in the costs involved with repairing or replacing your leathers and helmet (or £40.00 for £3,000 in costs), including full leathers and other protective clothing, boots and gloves.

With a low £50 excess for each claim, insuring your protective kit could save you hundreds following an accident, and claims on your helmet and leathers policy won’t affect your bike no claims bonus.

Keycare Insurance

If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.

For just £19.00 a year, our keycare insurance policy will cover locksmith expenses, replacement locks and keys, bike immobilizer replacement costs, vehicle hire costs, and transport costs if you’re stranded, up to a value of £1,500.

We’ll pay out if your keys are stolen, locked inside your home, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.

For more information and to add keycare to your policy, speak to a member of our team today.

Motorcycle Breakdown

From just £62.00 a year, Bikesure Rescue provides gold-standard breakdown cover for your motorbike, offering 24 hour UK and EU roadside assistance and recovery, emergency accommodation costs, transport home, to a garage, or to a destination of your choice, and even an equivalent hire bike to help you get on your way after a breakdown.

We know that nobody wants to have their plans put on hold by a breakdown, or to be forced to hang around by the roadside for hours facing costly callout charges – so use Bikesure Rescue as your breakdown cover, and get motoring peace of mind at a price that suits you.

Policy Upgrades

Bikesure offer a range of upgrades and extra benefits, at low prices, so you can add just the additional cover you need to your policy without breaking the bank.