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If you have more than one motorcycle insured on separate policies, the chances are you can save money by switching to a multi-bike policy.
Many passionate bikers have more than one bike - maybe a daily commuter bike and a classic for summer cruising - but are failing to take advantage of the fact that they can only ride one at a time.
Insurers have recognised that riders should not pay two or more full premiums for bikes that spend part of their lives safely tucked away in the garage.
Specialist broker Bikesure offers a range of policies that can provide big discounts for multiple bikes, especially where there is only one named driver - reducing the exposure to each bike being involved in an accident.
Bikesure manager Rob Balls said that the more bikes a rider owns and insures together, the bigger the discounts.
“Obviously single riders with multiple bikes attract the biggest premium reductions, for the simple reason that each bike will be ridden less than if the rider just had one bike for continuous use,” he added.
“Not every insurer offers multi-bike cover, so it pays to shop around and use a broker who will have access to more different schemes and can find the right policy for you.”
Having one multi-bike policy will not only save you money, but will cut down your admin, providing one policy, with one renewal date and one premium.
Policies can cover a range of different types of bike together, whether you own two bikes or 20, including standard road bikes, modified bikes, classics, trikes or imports, with £100,000 of legal cover provided free.
All the usual extra benefits can be added to a multi-bike policy, including personal injury cover, comprehensive breakdown cover and up to £1,000 cover for helmet and leathers.
In addition to the multi-bike discounts, savings can also be made on some schemes for:
● Owners club membership
● Limited mileage
● Security precautions
● Keeping your motorbikes in a garage
● Advanced riding qualifications
Agreed values for custom, classic and modified bikes can be arranged, while quotes can be given for riders with motoring or criminal convictions and those with zero no claims bonus.
Posted on 03 00:00:00-06-2014