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More than one bike!?


Snakebite68
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So...

Is it true that I can't use my no claims on two different bikes?
And yet, it doesn't matter WHICH bike I use it on???

WTF is this craziness??? Surely I've racked up 2 years of no claims no matter what bike insurance it's applied to? I can only ride one damn bike at a time!!!

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You can only use your NCD on one insurance policy. So if you get a multibike, you use it on how ever many that policy covers.

If you had 2 years no claims, and 2 policies, you could use one year on each.

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Yeah, well I'm not going for a multi policy, the only one I've been quoted for was 4 times the amount of doing it separately...

It can't be this hard for normal people!

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7 hours ago, finnerz89 said:

Haha I insure 4 bikes no problem 🙃

How and who with?

And is it cheaper than doing it singly?

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I have classic bike insurance with 3 bikes on it and agreed value inc breakdown.
Its gone expensive now as I pay £170 when it used to be £95 (but that was 10 years ago)

RH insurance 

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I'm with bemoto.

3 on one policy with all my NCD and then another one a separate with mirrored no claims. 

600 all in I think

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  • 5 months later...

I started riding just over a year ago on a Moped, insured with Bennetts. I recently wanted to add another bike and thought that a joint policy would be best - I mean, I can only ride one at a time and I'm the only named rider! On the phone they quoted me not much short of £300 for a 2 bike policy. Now I paid £91 last year for the moped and I'd already found quotes for the secobd bike at under £100 so I politely declined. Onto a comparison website and I was quoted £87 for basic insurance and £129 including injury, gear, legal help etc. with...... Bennetts!

Has anyone found a multibike policy that actually works out cheaper?

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It's the moped that is the odd one out, they're dead cheap to insure. If it was two bigger bikes, you'd be looking around £300 anyway.
Just insure them separately till you do your DAS and get something bigger.

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I have an agreed value multi bike policy and they insure to the biggest risk. My vmax and tdr are on the same policy. 190 quid. Vmax added a 100 quid. Scandal lol. 

Almost more to tax than insure, that's with declared mods too. 

Don't forget you have doubled the fire and theft risk. 

 

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