Insurance New Bike In The Stable Multi-bike Or Separate Policy?

Whilst you may have full no claims bonus on your current policy making it quite a reasonable price, you will have to start again with no ncb on your new bike. This may be expensive. Have a word with your current insurer to see what options they can offer. When I have had 2 bikes I always found that a multi bike policy worked out to be very reasonable on cost. It could even be cheaper to cancel your current policy and replace it with a multi bike jobby! Crazy?? Well, we are talking insurance here!! Try comparison websites to see what is out there.

 

I just added my new SS to my existing policy for my ZZR1400. The Z's policy was due for renewal the the week before I bought theSS. I just called them (Kawasaki Insurance) and asked if they could make it a multi bike policy and they said yes, no problem. The upshot was that I renewed the Z's insurance for more or less the same price as last year, added the SS a week later for £40 and can also add the Berg in December when it's policy runs out and just renew one policy next year for all 3.
Years ago we had something called a Rider Policy which just had a cc limit, 500, 750, 1000 or unlimited and you could own as many bikes as you liked with none of them actually listed on the policy documentation. The insurance companies eventually dropped this type of policy for obvious reasons. I had one for my first 10 years of riding.

 

I usually insure two bikes all year round with full ncb but found on a multi bike it costs far too much. This year I’ve insured my bonneville as a zero ncb and it’s not much more than it used to be on full ncb. All three bikes added together is still a lot less than one multi for me

 

I’ve had the same experience as Tigcraft this year.
For the past couple of years I’ve managed to get a good price on a policy that mirrored my NCB on the second bike (R9T and Daytona for £220 FC) but with the new KTM this year the cheapest I could get was nearly £700 for them both together.
I’ve insured them separately now and it’s over £200 cheaper.

 

I have to admit I had one too guys. And very good (read cheap) it was too. I agree with your comment about road tax DD, but it was much cheaper back then even relatively when you add in inflation. When I have to pay £93 p.a. for both my Thruxton and my Tuono it makes my 163 bhp Beemer car look ridiculously cheap at just £30 for 12 months. I really can't see how they justify charging £93 for any bike over 600cc, but thats DVLA for you again. Bloody hell, its only just past 7 am on a Monday morning and I'm moaning already.

 

Multi bike policies are a great idea only having one robbing c@nt to deal with if they were the same price as insuring separately but they're not
I've four insured at one time
Example Yamaha MT 01/Bsa A10 multi policy £350 separately MT01 £90 A10 £55

 

£500 min excess does seem high to me, but as usual your age, experience, no claims, where you live etc. etc. all go into the mix, so we really are all different when it comes to working out insurance risks. Theres no such thing as a level playing field when it comes to this subject.

 

£500 min excess does seem high to me, but as usual your age, experience, no claims, where you live etc. etc. all go into the mix, so we really are all different when it comes to working out insurance risks. Theres no such thing as a level playing field when it comes to this subject.

 

Try Asda compare

 

Insurance is an utter minefield with an infinite number of variations and circumstances. There is probably no perfect solution when buying it but we all have had different experiences, good, bad and indifferent. All you can do is check the comparison sites and make a few calls. Multi-bike policies have worked for me in the past but, as has already been said, they may not work for others or for you and your particular set of circumstances.

 

Shafters the lot of them. Came back to biking.......no NCB, paid a colossal premium. Later added sissy bars and, as per policy, told the insurer. The firkin bastids said they had to issue a new policy and upped the premium. Once the years up I'll dish the beans on these fekkers.

 

I took a policy out with Bemoto after I explained to them that I'm looking at adding a 2nd bike, so I'm considering a Multi bike policy.
What they did was to offer a solution that wasn't multi bike but was two policies with NCD mirroring. Worked out best for me as they said I could add the policy at any time (I said I don't know when I'll be adding a 2nd bike with the pandemic going on).

 

Good luck with that
I insured the kids fiesta with a view to add my son on his seventeenth birthday checked with the company were happy to do this
The time came and they were very happy as the additional premium was £2500!!
I cancelled it called them all the c@nts under the sun
Went elsewhere for a reasonable £500
Lying robbing and moral free the lot of them

 

I understand your sentiments, but Bemoto already provided a quote based on my current Street Triple 675 and a potential Multistrada 1200s and it was very reasonable.

 

I can never understand why the no claims cant be applied to both bikes. Its an absolute con. You can only ride one bike at a time ffs
I am looking to insure the GS with my rocket but couldn't find a comparison site that has multi bike options

 

Bemoto do exactly that. They mirror your no claims discount on two separate policies.