Multi Bike Insurance

Multi bike insurance is a single insurance policy designed to cover multiple motorcycles (or scooters) under the same individual policyholder, ridden by one main rider.

Instead of managing separate policies, you benefit from:

• One renewal date

• One set of documents

• One insurer relationship

• Potential multi-bike discounts

This type of policy is ideal if you:

• Own two or more motorcycles

• Ride different bikes for different purposes

• Have classic and modern bikes

• Store bikes securely (garage or locked compound)

• Want simplified administration

• Cost savings versus separate policies.

• One renewal date and fewer documents.

• Simplified administration and a single premium payment.

• Ability to insure a diverse collection of bikes under one agreement

• Existing No claims discount applied across all bikes on the policy.

Performance Direct can insure up to five bikes on a standard multi-bike policy. For classic bike collections, or collections that include a mix of classic and modern bikes, we may be able to insure more than five bikes on a single policy.

Multi-bike policies don’t usually allow additional riders, as the discounted price is based on one rider using multiple bikes rather than several people riding at the same time. If you need cover for extra riders, please give us a call and we’ll explore alternative options that may better suit your needs.

Yes. A mix of bike types can be insured under one multi-bike policy, including commuter, classic and scooter models.

A well-structured multi bike policy can include:

• Super bikes

• Naked bikes

• Touring motorcycles

• Classic and vintage bikes

• Track or limited-use bikes

Eligibility depends on storage, usage, rider experience, and claims history.

Where a collection includes classic bikes, it may be possible to insure more than the standard number of bikes on a single policy, although each machine still must meet the provider’s eligibility criteria.

Pricing depends on:

• Number of motorcycles

• Bike values and performance

• Rider age and experience

• Storage and security

• Annual mileage

• Claims and conviction history

Multi bike insurance is often cheaper than separate policies – but only when correctly structured.

Yes, in many cases. However, if your current insurer does not allow additional bikes to be added mid-term, it may be necessary to move the policy to a different insurer.

If you already have a multi-bike policy, bikes can usually be added or swapped at any time, although this may result in a change to your premium. It’s always best to check before making changes so the most suitable option can be arranged.

Yes. You can apply your existing NCD to the multi-bike policy and earn additional NCD for the policy overall. However, note that this is per policy rather than per bike, so you won’t earn separate years of NCB for each individual machine.

Normally it is, but it depends on your bikes’ values, usage, and risk. Ask us for quotes for both scenarios and compare carefully.

Performance Direct is a Specialist Broker who can:

• Accesses niche underwriters

• Structures policies correctly

• Avoids cover gaps

• Matches bikes to insurers strategically

• Ensures FCA-compliant advice

This is especially important for high-value or mixed motorcycle collections.