Multi-bike policies seem to be available as long as all your bikes are the same... I tried to get one for an ST4, a 750 sports bike and a 250 trail bike, and no-one was interested. Apparently it's because they're too different. And that's despite being a silly old duffer with no accidents or claims in the last 30 years...
Hmmm... When I added my ST4 to my Laverda insurance (as it was already all set up to be a multi-bike policy) it cost an extra £14. When I tried to add the 250 Honda to the policy I thought it would be easy and cheap - turns out "multi-bike" doesn't mean what I thought, and I couldn't even get a quote...
Taking out a policy with all the bikes listed at the beginning of a policy is OK. My experience is adding another mid term which is higher bracket and more value it gets complicated. I've just added another bike and they wanted £160 for that reason. It now would be cheaper to insure each one individually even without declaring any no clams bonus, which you can only have on one policy. It's the same problem, insurers discount new customers and policies. Once they've got the policy they're not interested.
Yeah, I've had that problem in the past ( Carole nash), but fair play to MCE they added my 999 mid term with no hassle.
A lot of good info here. To be fair to Carole Nash, they have told me that adding a newer bike now to my current multi policy would be problematic because the two I have on it at the moment are old enough for it to be a "future classics" version. I'm going to need to see what they (or others like MCE) can offer me at renewal time in a couple of months, to allow me to keep my options more open. It's either that or buy a newer bike at a time to coincide with the renewal and then look for the best deal for the enlarged fleet!
Hi, We (Ducati Insurance), insure many multi-bike customers and can mix classic and modern machines on the same policy. Adding or removing bikes mid-term isn't a problem, only restriction we have is max of 10 bikes per policy (purely as printing all the information on a certificate becomes a problem with more than 10). Having said that, we do have a handful of customers with more than 10 bikes which we've split across and linked between two polices at a preferential rate. Our premiums are based on the highest rated bike, with additional models being discounted, so it should always be cheaper than insuring bikes separately. Best of luck.
