Multi-bike Insurance Recommendation

Discussion in 'Lounge' started by Biker Jock, Nov 29, 2019.

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  1. Biker Jock

    Biker Jock Senior Member

    Nov 16, 2014
    737
    243
    Received my renewal quote from Bennetts - Gordon Bennett - it's gone up and some!

    Insurance & meerkat comparison websites don't seem to cope with multi-bike (two) comparisons. I'm sure gathering the information about multiple bikes would be easy, but I suspect getting the quotes from the insurance companies is technically too difficult.

    Any-hoo, I'll phone around to get some quotes, and see if I can use the ammo to knock down Bennetts (I quite like them apart from their latest renewal quote), or I might jump ship and go with a cheaper quote.

    Any recommendations for two-bike insurance welcome.

    Thanks, Jock.
     
  2. RSReggie

    RSReggie Active Member

    Apr 9, 2019
    83
    28
    North West UK
    Try LV they have been good for me ...
     
    • Agree Agree x 1
  3. Biker Jock

    Biker Jock Senior Member

    Nov 16, 2014
    737
    243
    Cheers! My car was insured with them for a few years, and they did offer a good service. Hadn't thought of them for the bikes. Good one.
     
  4. Duckadiledundee

    Duckadiledundee Peasant First Class
    Subscriber

    Jun 24, 2019
    2,607
    1,000
    High Peak
    Let us know how you get on as I may be jumping ship with Bennett's myself and possibly have another bike by the time my renewal quote comes round...
     
    • Like Like x 1
  5. littleade

    littleade The only sane one here
    Subscriber

    Mar 17, 2015
    4,755
    1,000
    kidderminster Worcestershire
    • Like Like x 1
  6. freck

    freck Elite Member
    Subscriber

    May 4, 2017
    1,204
    750
    Preston, Lancs, UK
    I’ve usually found multi bike policies a bit of a rip off. You can only use your NCB on one bike anyway, so I’ve found the best solution for me has been companies who will mirror my NCB across two policies. I’m currently with Bennetts who worked out cheapest doing it this way.
    As always though, insurance is a complete minefield and what works for one person won’t for another.
    The only constant is that they’re all a bunch of thieving [email protected] :p
     
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  7. Wessa

    Wessa Cruising
    Subscriber

    Apr 27, 2016
    5,133
    1,000
    North West England
    I've insured my bikes for a while now on dual bike policies, currently with Hasting Direct, but have used other companies. As far as I'm aware my NCB has been applied across the whole policy? It has always worked out more expensive for me to insure the bikes separately ...
     
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  8. freck

    freck Elite Member
    Subscriber

    May 4, 2017
    1,204
    750
    Preston, Lancs, UK
    It’s not a dual bike policy I have, it’s two separate ones but Bennetts have mirrored the NCB so that I can use it across the two policies they have brokered for me.
    I don’t know how they did it but the two policies started at different times and when I started the second one they said that’s what they’d do. :cool:
     
    • Like Like x 2
  9. Wessa

    Wessa Cruising
    Subscriber

    Apr 27, 2016
    5,133
    1,000
    North West England
    Sounds like you got a good deal. Last time I tried to insure by bikes on separate policies the insurance company would only let me use my NCB on one bike. The result was a very expensive second policy with no NCB..
     
    • Like Like x 1
  10. Biker Jock

    Biker Jock Senior Member

    Nov 16, 2014
    737
    243
    That BeMoto looks good. I'll call them first on Monday and use them as a benchmark.

    I'll let y'all know who I go with. Cheers.
     
  11. Tigcraft

    Tigcraft Not Well Known Member
    Subscriber

    Mar 29, 2014
    1,720
    800
    Holmfirth West Yorkshire
    Never found multi bike policy’s of value. I just got a third party fire and theft on one of my classicbikes only £33 and that’s with zero ncd!! Add that to my others and it’s still mega cheap
     
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  12. littleade

    littleade The only sane one here
    Subscriber

    Mar 17, 2015
    4,755
    1,000
    kidderminster Worcestershire
    No worries. As a comparison I had The bike insurer lot ring me up after I'd used their comparison site asking if they could pass me on to other insurers who don't feature on their site. By coincidence they passed me on the Bemoto who wanted £240 to insure my GS, where as Hastings direct who I'm with at the moment actually beat the price they quoted on that site and I paid under £160 for their 5* defacto premium cover and from above it looks like they do multibike too so I'd give them a call too;)
     
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  13. Wessa

    Wessa Cruising
    Subscriber

    Apr 27, 2016
    5,133
    1,000
    North West England
    Yep Hasting do multi bike insurance.
     
    • Useful Useful x 2
  14. Biker Jock

    Biker Jock Senior Member

    Nov 16, 2014
    737
    243
    I'm not a dedicated deal hunter, like some, so after going through the whole process with BeMoto, and their price being way less than I've paid for a very long time, I went with them.

    What seemed to help with them is that I've had both my bikes for a long time (Tiger 800 4 years, R1200S almost 8). They also told me what each bike was costing in the deal - R1200S £60, Tiger £200 because that's my main bike - but same mileage allowed on both.

    The price comes with RAC recovery, protected NCB and European travel.

    Maybe Hastings could have beaten the price, but after a chunk of this sunny morning on the phone and waiting for a call back, saving £155 off my renewal quote and £50 off last year's price will do me.
     
    • Like Like x 5
  15. Doc Strange

    Doc Strange Member

    Aug 8, 2019
    91
    18
    Nottingham
    Have a 6-wheel policy with Carol Nash which covers car and both bikes.

    Hunted around last year when it came to renewal but couldn't find anything cheaper once the built in breakdown recovery was factored in.

    Always found them helpful but never needed to make a claim so can't comment on that side of things.

    DS
     
  16. freck

    freck Elite Member
    Subscriber

    May 4, 2017
    1,204
    750
    Preston, Lancs, UK
    Has your car only got two wheels then or are your bikes unicycles? :p
     
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  17. Doc Strange

    Doc Strange Member

    Aug 8, 2019
    91
    18
    Nottingham
    Both!
     
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  18. John Scotcher

    John Scotcher Active Member

    Oct 25, 2018
    56
    28
    Stoke on Trent,UK
    I had a 6 wheel policy with Carole Nash about 4 years ago but it went up by over 40% at renewal time the following year. I changed back to separate bike and car policies and saved nearly £200! I have just taken out multi bike insurance with BeMoto and it was cheaper than Carole Nash by £75 even though the cover looks identical with RAC/Protected no-claims etc. It doesn't pay to accept renewal quotes without getting a few fresh quotes from different insurance companies.
     
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  19. Doc Strange

    Doc Strange Member

    Aug 8, 2019
    91
    18
    Nottingham
    Been with them quite a while now and at least once I've had a surprisingly high renewal and have had to ring them up and have a fit with them.

    Clearly that keeps them sweet for a bit at least as this year I couldn't find cheaper :)

    Will check BeMoto next time I come up for renewal though - thanks for the tip!

    DS
     
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