Guide to Buying Multi Bike Insurance

Multi-Bike Owners Garage insurance

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If you have more than one bike to insure, multi bike insurance offers the most cost effective and simple way to protect your collection. You can use your no claims discount across all your bikes and with a single renewal date, you have less paperwork and more time to get out and ride.

As bikers ourselves, we understand that saving time and money means being able to buy more bike parts or get out on your bike more. That's why we have created the most competitive and straightforward multi bike deals on the market, providing leading benefits across all bikes on one policy.

Not all multi bike insurance products are the same, however. So, today we’re going through 6 of the top considerations you should look out for when choosing a multi bike insurance policy and insurer...

1. Are there charges for mid-term amendments?

Often, most insurers charge you to make changes to your policy midway through your term. This can include anything from changing your address or declaring modifications to adding an additional bike to your policy. Be sure to ask this question before you take out the insurance in the first instance to avoid any nasty surprises further down the track. The most customer-driven providers, like BeMoto, don’t charge a fee to make changes. We pride ourselves on our fair and transparent insurance, which is why we don’t charge our bikers for making any mid-term amendments.

No fees to make changes with BeMoto

2. How easy is it to add additional bikes to the policy?

When comparing multi bike insurance providers, check the average cost of adding a bike to a policy. It can come at a high cost or, in some cases, providers are unable to insure additional bikes mid-term at all. In both cases you are left at risk of falling victim to the No Claims Discount Trap, where you must either front the cost of adding the bike, cancel and start a new separate policy with zero NCD or face cancellation fees and also loose that year’s NCD.

3. Does the policy meet your requirements?

Arguably the most important factor to consider when taking out multi bike insurance is whether the policy actually covers what you need it to. Look at how much cover the provider offers as standard and how much it will cost to add any additional cover you need to the policy. Does the insurer only cover UK roadside assistance, for example? And how much cover are you really receiving to protect your helmet and leathers? Check out BeMoto’s Titanium cover, which costs bikers around £40 (worth around £200) and offers a host of valuable benefits across all bikes on one policy.

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See for yourself how BeMoto compares to other insurance providers by visiting our multi bike insurance comparison page.

4. What is the provider’s policy on modified bikes?

As bikers ourselves, we understand the frustration when either an insurer won’t insure modification or it’s just too expensive. Check in advance where you stand with the provider and ask the right questions. For example, if you have an incident, will your modifications be reinstated, or will your bike just be restored to factory specification? The team at BeMoto recognise that few bikes are left in their standard form, so we pride ourselves on our flexible approach to insuring modified bikes. What’s more, our insurance will reinstate your declared modifications.

5. How is your annual renewal price calculated?

We’ve all seen it; insurance policies that seem to go up massively each year regardless of whether you have made a claim or not. Check with the insurance provider on how your policy renewal is calculated at the end of the term and prepare to shop around for a better deal. Here at BeMoto we don’t automate the renewal process. We take a more personal approach, checking your policy and circumstances to continually find you the best deal – and that’s not just at new business stage.

We're often asked: How is multi bike insurance calculated? Follow the link to find out more.

6. Does the insurance cover a range of bikes?

It’s important to make sure the insurer can cover the types and number of bikes in your collection. For example, can they insure modern and classic bikes on the same policy? Some cursory checks at the time can save hassle and expense further down the line. Our multi bike deals are flexible, meaning you can add as many bikes as you want to your policy, regardless of their age, value or whether they are used on the road or off-road. We also cover a huge range of bikes, including mopeds, dirt bikes and trikes.

7. Does setting up a multi-bike policy take a long time?

It depends on how many bikes you have! Rather than a computer says ‘no’ approach for an online quote, when it comes to multi bike, we prefer to spend time on the phone with you to run though your bikes, modifications, security used and all the other details the will help give you our best quote with a policy that suits your needs.
But to reduce the time needed on the phone with us, we offer a Switching Service that allows you to detail your bikes in a simple form and then send it over to us, along with a renewal price you’ve been offered, so we can work through this information and then give you a call back on a date and time of your convenience. You can use our Switching Service here.

Like and follow BeMoto on Facebook and Instagram for more tips and advice on multi bike insurance and take a look at some of these MultiBike Garages here

If you need a quote today, give us a call on 01733 907000 or visit

Multi-Bike Insurance FAQs

  1. Why choose BeMoto for your Multi-Bike Insurance policy?

    BeMoto is a multi-bike insurance specialist with flexible packages designed around you and your collection. There is no limit to the number or types of bikes we can cover, we will create a package around your needs. Our policies all include Legal Expenses Insurance as standard, plus there are NO fees to make policy changes and our Titanium Cover provides breakdown for all your bikes on a single policy saving you time, hassle and money.

  2. How does Multi-Bike Insurance work?

    You can only use one No Claims Discount (NCD) on one bike policy at a time, so insuring each bike separately can end up being much more expensive when you have to use zero NCD for additional policies.

    At BeMoto we can tailor a multi-bike insurance package to suit your needs using your one lot of NCD, no matter how many bikes you have, what type of bikes are in your garage (we can mix modern and classics) or what the total value of your collection is. We simply work out the main bike premium and add the additional bikes for a fixed cost based on each additional bike value.

    Why not read our article to find out more about how multibike insurance is calculated.

  3. Can you mix modern and classic bikes on a multi-bike policy?

    Simple answer... Yes you can with BeMoto.

    Mix modern and classic bikes with BeMoto multibike insurance where our policy is designed around your needs for whatever bike collection you have, including modern and classic road bikes, SORN and laid up bikes, even off-road and track bikes that are unregistered.

    Classic and custom builds can also have Agreed Value for no additional charge, once we have seen photos we can agree a valuation with you before applying an endorsement.

  4. How many bikes can be covered on a Multi-Bike policy?

    At BeMoto there is no limit to the number or variety of bikes we can insure on ourmulti-bike insurance packages as they are tailored to meet your requirements. We can also insure collections on our SORN insurance policy too, wether they have a V5 or not (including unregistered dirt and track bikes).

    We have customers ranging from two bikes to collections with 40+ either in a private garage or storage lock up. So why not give us a call on 01733 907000 and discuss your multi-bike needs with one of our specialists.

    You could also try our multi-bike switching service for larger collections to save you time and hassle as well as saving money...

  5. How is a Multi Bike Insurance quote calculated?

    Our multi-bike insurance experts start by calculating which of your motorbikes is the highest rated by our panel of insurers, using the same No Claims Discount (NCD) for each bike. You then pay the premium to insure the highest rated motorbike, which includes your NCD and we add on the other bikes at a nominal cost based on their value.

    As your NCD can't be used on multiple bikes at the same time, the additional bikes are added to your policy at a discounted fixed price on the understanding that only one bike can be ridden at a time, but they could all be stolen together when not in use or a garage fire could destroy them all at the same time - so you are only paying for one lot of road risk whilst still covered for the full value of your collection.

  6. How much does Multi Bike Insurance cost?

    BeMoto multi-bike insurance can cost as little as £80 for classic bikes, but clearly will depend on what bikes are in your collection and where you keep them, as well as your experience and riding history.

    Each additional bike can cost from as little as £11.20 for classic bikes, but it typically costs around £45-60 per additional modern bike, once the main bike premium is calculated - higher value bikes can be more expensive.

    See our article on how multibike insurance is calculated.