Have you considered a multi bike insurance quote?
If you own several motorcycles, you may wish to consider looking for a multi bike insurance quote:
- these policies may apply to owners who have more than 2-4 motorbikes;
- at any time the probabilities are that all of your machines, perhaps with the exception of the one you are currently riding, will be stored safely away – so typically policies will not need to consider that each bike may be being used independently;
- this is unlike having an individual policy for each bike, in which case, each policy may need to assume that the bike is being used for a certain percentage of its time and is subject, during that period, to on-the-road risks;
- this is not just a technical point of distinction, as it may typically indicate that a multi bike insurance quote might be capable of providing a more cost-effective solution than multiple individual policies;
- note that motorcycle insurance quotes relating to multi bike scenarios, may not cover commercial ownership situations where you are buying and selling motorcycles or repairing them for profit/reward;
- the more motorcycles you have, the more your total value to be covered is likely to be, so that providers of multi bike policies may well insist upon the provision of certain security precautions such as locked premises, the use of alarms and possibly additional security devices for each individual bike;
- you may find that policies have relatively modest permissible annual mileage maxima for each of your individual bikes;
- if you take your bikes en-masse to a show or display, it might be prudent to check whether or not your policy covers such situations – policies may typically not provide cover for any form of use that involves income generation;
- some motorcycle insurance quotes for multi bike policies may require that you have enhanced anti-fire and related precautions, in the premises where the bikes are normally securely stored and locked away;
- if your motorcycles are classic or vintage models or of unusually high value for other reasons, you may need to discuss the specifics of this at the time you ask for a multi bike insurance quote.