Can different bikes have different cover levels?

Often yes. Many multi-bike policies let you have comprehensive cover on one machine and a lower level on another.

Can other riders be added to a multi-bike policy?

Usually. You can often add named riders, such as a partner or family member, though this may affect the price.

Do all my bikes need to be at the same address?

Typically yes. Most multi-bike policies expect the machines to be kept at one address, so check the terms if any are stored elsewhere.

Motorbike

Can I insure multiple bikes on one policy?

Yes. A multi-bike policy covers two or more motorbikes under one agreement with a single renewal date. Here is how it works and what to check.

Yes. Multi-bike policies let you insure two or more motorbikes under a single agreement, and they can work out cheaper than buying separate policies for each machine.

How multi-bike cover works

A multi-bike policy brings all your machines onto one schedule with a single renewal date, which is convenient if you own several bikes.

One policy, one renewal, covering each bike you own, sometimes with a single no-claims discount applied across them.
Potential savings compared with separate policies.
Flexibility for collectors, commuters with a second machine, or households with more than one rider.

Why it can cost less

Insurers generally assume one rider can only ride one bike at a time, which is why these policies can work out cheaper than insuring each bike on its own. Whether that is true for you depends on your bikes, riders and history.

Cover levels and riders

Many multi-bike policies let you set different cover levels for each machine, for example comprehensive on your main bike and third party, fire and theft on an older one. You can often add named riders, such as a partner, though this may change the price.

Things to check

Whether all the bikes need to be kept at the same address
How the no-claims discount is applied
Whether laid-up or off-road bikes can be included at a lower cost

Getting quotes

It is worth comparing a multi-bike quote with individual policies to see which suits you. With Kompare, you fill in a short form and a specialist FCA-authorised broker from our panel contacts you about motorbike insurance quotes. Read how we work for more.