Multi Bike Insurance

Multi bike insurance is a policy that allows you to insure two or more motorcycles under one insurance plan. Instead of managing separate policies, all bikes are included within a single agreement, often with one renewal date.

Cover levels and conditions depend on the insurer and your individual circumstances.

Performance Direct Insurance compares options from UK insurers to help you find suitable cover.

Multi bike insurance works by grouping multiple motorcycles under one policy, with each bike individually listed. The level of cover may be the same across all bikes or tailored depending on insurer terms and usage.

Premiums are calculated based on the bikes, riders and how they are used.

Performance Direct Insurance helps arrange policies that reflect your specific requirements.

Multi bike insurance can be cheaper than insuring each motorcycle separately, but this is not always guaranteed. Pricing depends on factors such as the number of bikes, their value, usage and rider profile. In some cases, separate policies may offer better value.

Performance Direct Insurance can help you compare options to find the most suitable solution.

Some multi bike insurance policies allow additional named riders, but this depends on insurer criteria and eligibility. Each rider’s age, experience and driving history may affect the premium and level of cover. Not all policies allow open or flexible riding across all bikes.

If you need cover for extra riders, the Performance Direct Customer Support team can help you explore alternative options that may better suit your needs. 

Multi bike insurance can still be arranged if your motorcycles have different values, but this may affect how cover is structured. Insurers may apply different terms, excesses or cover levels depending on each bike’s value and risk profile. Higher-value bikes may require additional conditions.

Performance Direct Insurance can help tailor cover to suit mixed-value motorcycles.

The number of bikes you can insure on one policy varies by insurer, but most allow two or more motorcycles under a multi bike arrangement. Some insurers may set limits depending on the type and value of bikes insured. It is important to check policy terms before arranging cover.

Performance Direct Insurance can help you explore available options.

You can insure up to five motorcycles using our online quote platform.

If you need to insure more than five bikes, i.e. classic bike collections, or collections that include a mix of classic and modern bikes, simply reach out to our customer service team who will be happy to help you. Call Performance Direct on 01708 609 331.

Yes, it is often possible to insure motorcycles used for different purposes, such as commuting and leisure, under one policy. Usage must be declared accurately and accepted by the insurer, as it affects risk and pricing. Some restrictions may apply depending on policy terms.

Performance Direct Insurance can help ensure your policy reflects how each bike is used.

Breakdown and recovery cover is not usually included as standard on multi bike insurance policies. It is typically available as an optional extra that can be added depending on your needs and insurer terms. Cover levels may include roadside assistance, home start or European cover.

Performance Direct Insurance can help you add suitable breakdown options to your policy.

Breakdown cover for a multi bike policy is usually priced separately and depends on the level of cover selected. For the first motorcycle, costs typically range from around £45 to £65, with additional bikes often covered at a lower cost, usually between £10 and £20 per bike. Prices vary depending on the type of cover and insurer.

Performance Direct Insurance can help you tailor breakdown cover to suit your usage.

Yes, in many cases you can choose to add breakdown cover to one motorcycle or extend it to multiple bikes on your policy. This allows you to tailor cover based on how frequently each bike is used and your individual needs. Options and flexibility depend on the insurer and policy terms.

Performance Direct Insurance can help you customise breakdown cover appropriately.

Multi bike insurance can be suitable for classic or modified motorcycles, depending on insurer criteria and how the bikes are used. Some insurers may require agreed values or apply specific conditions for certain types of bikes. Cover availability varies depending on risk factors.

Performance Direct Insurance can help find suitable policies for specialist motorcycles.

Multi bike insurance is not a legal requirement, but each motorcycle must be insured if it is used on public roads. A multi bike policy is simply a way to combine cover into one policy rather than having separate ones. The right option depends on your circumstances and preferences.

Performance Direct Insurance can help you choose the most suitable approach.

Yes, in many cases you may be able to add or change bikes during the policy term but this may result in a change to your premium. 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.

It’s always best to check before making changes so the most suitable option can be arranged. 

A mix of bike types can be insured under one multi-bike policy, including commuter, classic and scooter models, although each motorcycle still must meet the provider’s eligibility criteria.

Performance Direct Insurance can help you compare options to find the most suitable solution.