Yes, multi bike insurance is cheaper than taking out separate policies for different motorbikes, but you can only cover one rider on a policy.

This is because you are only insured for one bike to be on the road at a time. This lessens the risk to the insurer of you making a claim, so they charge you less.

For example, if you have three motorcycles, you will always be insured to ride one. The other two will still be covered against theft and damage while they are not being used.

How to get the cover you need

You legally need at least third party insurance which covers injury to others and property damage, unless you have declared your bikes off the road (SORN) to the DVLA. Compare quotes to make sure you also get cover for:

  • The number of bikes you own: Most multi bike policies limit the number of bikes you can insure, e.g. up to 5. Choose a policy that can cover all of your bikes.

  • Foreign trips: If you take your bikes abroad, make sure your policy covers you while you are out of the country. Check the policy's maximum trip length covers any holidays you have planned.

  • Helmets and clothing: This covers your bike helmet and leathers if they are damaged in an accident. You may have to pay extra to add this cover, but many insurers now include it as standard.

  • UK breakdown: This provides you with roadside assistance if one of your bikes breaks down away from your home.

How can you save money?

  • Shop around: Use this comparison to find the cover you need, and then pick the cheapest policy.

  • Buy online: Taking out a multi bike policy online will save you money, because insurers give discounts when you buy through their website.

  • Pick a high voluntary excess: This will cut the cost of your premium, but make sure you can afford to pay the excess if you need to claim.

  • Pay up front in full: Insurers charge interest if you pay for your policy in monthly instalments, so pay in one go if you can afford to.

Multi bike insurance FAQs

Q

Will a multi bike policy save me money?

A

Yes, multi bike insurance is cheaper than covering each bike you own separately. But you cannot insure more than one rider.

Q

Can I cover my bike and my car on the same policy?

A

Yes, most motorbike insurers offer six wheel cover, where you can cover your car and bike on one policy.

Q

How many bikes can I insure on one policy?

A

It varies between insurers, but you must have a minimum of two motorbikes to get multi bike insurance.

Q

Can I cover my bike helmet and clothing?

A

Yes, but it may cost extra to add this to your policy. Look for an insurer who can cover damage to your bike helmet and leathers as standard.

Q

Can I take out temporary multi bike insurance?

A

No, temporary insurance is designed to cover you if you only use your bike at certain times of the year, or you are borrowing a friend's bike.

About our motorbike insurance comparison

Q

Who do we include in this comparison?

A

We include motorbike insurance policies for 17 year olds available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.