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  • Multi Bike Insurance

  • Multi Bike Insurance Titanium

  • Multi Bike Insurance Renewal

What is Multi Bike Insurance?

BeMoto is owned and run by bikers with our own multibike collections, so our multi bike insurance reflects what our customers want from their insurance provider. We only work with trusted underwriters and have designed our own products to get you the cheapest price and the best cover. Plus, there are NO amendment fees to add or remove bikes during the policy term!

As specialists, we can tailor multi-bike insurance to your exact needs. Our multibike insurance allows you to mix bikes of all types, whether road registered or not, including dirt and track bikes, modern and classic bikes, even modified and custom bikes… This means you save money and have less admin each year with just one policy.

You can only use one No Claims Discount (NCD) on one policy at a time, so buying individual insurance policies can be more expensive when you can only use zero NCD for additional bikes. In most circumstances, you can add bikes to our multi-bike insurance policy at a nominal cost.

So why pay for multiple full price policies when you can only ride one bike at a time?

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Bemoto - Policy changes with no admin fee

No admin fees to make policy changes.

The most comprehensive cover for you and your bikes...

  • Titanium Cover for only £45 more

  • Titanium

  • Carbon

  • Bemoto - EU cover extension

    EU Cover extension (90-days per trip)

  • Bemoto - 24 Hour claims

    24 hour claims helpline

  • Bemoto - Legal advice helpline

    Motor legal advice helpline

  • Bemoto - Cover with Legal cover expenses

    Legal expenses (£100,000)

  • Bemoto - Personal Accident Cover

    Personal Accident (£15,000)

  • +£20
  • Bemoto - Motorbike helment

    Helmet and leathers (£1,500)

  • +£30
  • Bemoto - Including RAC breakdown cover

    RAC Breakdown (UK & Europe)

  • N/A
  • Bemoto - £250 Excess contribution

    Excess Contribution (£250)

  • +£20
  • +£20
  • Bemoto - £500 Excess contribution

    Excess Contribution (£500)

  • +£25
  • +£25
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  • Bemoto - Personal Accident Cover
  • Bemoto - Motorbike helment
  • Bemoto - Including RAC breakdown cover
  • Bemoto - Cover with Legal cover expenses

What is Titanium Cover all about?

Why pay up to £200 for optional extras when BeMoto have negotiated great rates on your behalf?

All our multi bike insurance policies come with 90-days EU cover per trip and include £100,000 FREE Legal Expenses Insurance as standard.
In addition, our industry leading Titanium Cover includes full UK and European RAC Breakdown cover (as well as Home Start, Roadside, Recovery and Onward Travel), plus £1,500 Helmet & Leathers cover and £15,000 Personal Accident cover for only around £45 more.

You can also choose to add Excess Contribution Cover, allowing you to claim back up to £500 of your insurance excess in the event of a successful claim and we also offer Licence Defence Cover, which could be invaluable if you drive for a living.

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What can I expect to pay for multi bike insurance?

The examples here give you an idea of what you can expect to pay for multi bike insurance. A classic motorbike can be added from as little as £11.20, but the typical cost is between £28 and £60. Clearly a £20,000 V4 Panigale is not going to be quite as cheap to add, but then again they aren’t cheap to replace either!! So whether you have a commuter bike for work and something special in the garage for weekends, or mix classic and modern bikes, speak with us about your bikes and get a multi-bike insurance quote today!

Comprehensive Multi-Bike Insurance

  • Bemoto Multi Bike Cover - BMW S1000 RR and Suzuki Bandit 600 F

    BMW S1000 RR (£10,000) &
    Suzuki Bandit 600 F (£2,000)



    Carbon Cover


  • Bemoto Multi Bike Cover - Ducati 999 S MONO and Honda MSX 125 Grom

    Ducati 999 S MONO (£6,500) &
    Honda MSX 125 “Grom” (£3,300)



    Carbon Cover


  • Bemoto Multi Bike Cover - Triumph Daytona 675 R and Honda CG125

    Triumph Daytona 675 R (£7,500) &
    Honda CG125 (£1,500)



    Carbon Cover


  • Bemoto Multi Bike Cover - BMW R1200RT and Honda Hornet 600

    BMW R1200RT (£5,000) &
    Honda Hornet 600 (£3,000)



    Carbon Cover


The above prices are based on a married rider aged 37, living in NR11 postcode area, with a full bike licence and one SP30 conviction. No accidents, 5 years NCD, 6000 miles pa between both bikes, employed as a teacher, with a main bike that has Data Tag and a factory fitted immobiliser. Kept in a locked garage. Prices correct December 2021.

Renewing with BeMoto has once again been an absolute pleasure. They really go the extra mile to make sure the policy is everything you need - especially when it comes to multi-bike setups. They have been able to accommodate a mix of track bike, road bikes and off-road adventure bikes.
Bryan, December 2021
Absolutely top service to set up a new multi bike policy. Joe was absolutely brilliant at handling my enquiry from start to finish. Fully informed on every step of the way.
Pity all insurance companies don’t work this way.
Christopher, December 2021

Being penalised for adding a second bike by your existing insurer?

If you’re frustrated with your current multi bike insurance admin costs for adding a second bike to your policy, or for terminating the policy early, then we can quickly calculate whether you are better off staying for the policy term or switching now. You can always insure your second bike with us now, and add your other bike(s) at renewal.

We often speak with bikers concerned about losing that year’s no claims discount and can often offset this too.

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Frustrated with hidden and extra charges from your existing insurer?

We don’t charge admin fees for policy changes, or unnecessary price increases when your policy is up for renewal. We take a unique approach with our multi-bike insurance polices built around your risk profile and how you use your bikes.

Do I need to declare my bike modifications?

We love modified bikes and understand the motivation for making modifications. We modify our own bikes and rather than increasing your risk, we make it easy to declare them without being penalised.

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switching Bemoto - Go multi-bike switch in no time service

Got multiple bikes but no time to switch?

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Bemoto - Get in contact with a human

Call us today and speak to a human

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Bemoto - Multi-bike policies

Thinking of buying a second bike?

If you are thinking of adding a second bike to your current BeMoto policy, we can quickly provide you with a multi bike insurance quote so you have a clear idea of your total costs.

The average cost for an additional bike is as little as £60 and we will share our advice on the type of cover you need based on how you use your bikes.

Call 01733 907000

Request a multibike insurance quote from Bemoto.
All bike types and ages - on and off road

Multi Bike Insurance FAQs

  1. 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...

  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. 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.

  4. 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.

  5. 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.

  6. 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.