Quad bike licence
What Licence Do I Need to Ride a Quad Bike?
Owning a motorbike is as much a lifestyle choice as it is a transport choice and so, if you are a motorcycle owner, there’s a good chance you’ll be pretty passionate about your chosen machine.
Multi-bike insurance is insurance for people who own more than one motorbike, moped, scooter, or other types of powered two-wheelers. It allows you to have all your bikes on a single policy – with only one premium payment covering all of them rather than a number of separate policies, premium payments, and renewal dates.
It can provide the same coverage as a single bike policy but across all of your motorcycles. This makes it especially useful for motorbike collectors and enthusiasts and those who have one bike for commuting and another for weekend rides.
When you take out multi-bike insurance, you’ll normally have the same options available to you as with a standard motorcycle policy – and most vehicle insurance policies in general. This means you’ll be able to choose from:
Third party only, which covers damage done to a third party’s vehicle or property, or to the third party themselves. It providers no cover for your bike, for example if it gets damaged or stolen/
Third party, fire, and theft, which covers everything third party only does, as well as if your bike is stolen, damaged, or destroyed by fire.
Fully comprehensive, which includes everything in third party and third party, fire, and theft, as well as cover for if your bike is damaged or destroyed, or if you are injured, and you’re at fault for the incident.
The exact level of coverage you’ll get depends on the type of multi-bike insurance you take out, but a good fully comprehensive policy can include cover for:
You’re able to take out multi-bike insurance even if you own different types of bikes – this means that your policy will be tailored to the selection of bikes you have, from classic bikes and super bikes to scooters and mopeds.
However you should keep in mind that many multi-bike policies will only provider cover for one bike on the road at a time – effectively, you’ll be insured for the bike you’re riding while the others parked at home are still covered against fire, theft, and accidental damage. This means multi-bike policies are generally better for one person who owns several bikes, rather than a group of people sharing a number of motorcycles.
There are also limits on how many bikes you can have on a single policy, though this will vary between insurers.
The cost of premiums for multi-bike insurance is largely affected by the number and type of bikes you are buying cover for. Predictably, the more motorcycles you have on the policy the more it’ll cost, though this can mean you save money by effectively bulk buying, instead of taking out a separate policy for each bike you own.
More expensive makes and models are likely to be more desirable to thieves, while more powerful motorbikes might be at higher risk of being involved in an accident, therefore the price and performance of the bikes on your policy can also be a major factor in your premium price. Read our guide to motorcycle insurance groups to learn more about different types of motorbike.
The price you’ll pay for multi-bike insurance can also depend on more general factors, such as:
Finding a good quote on multi-bike insurance is easier when you compare your options on MoneySuperMarket. All you have to do is give a few details about you, your motorbike, and the level of coverage you require, then you’ll be able to see policies on a list tailored specifically to you. You can compare them by factors such as the annual and monthly cost, the level of coverage provided, and any extras that might be included.
Once you’ve found the right deal, just click through to the provider to finalise your choice – however you should remember that the cheapest option isn’t always the best. You should aim for a balance of the right level of cover and the best value for money – this way you can avoid over- or under-insuring yourself and paying too much for motorcycle insurance.
What Licence Do I Need to Ride a Quad Bike?
Motorbike Insurance for Young Riders explained
Scooter Insurance explained
Motorcycle MOT Checklist
Moped insurance explained
Multi-bike insurance explained
What is short-term motorbike insurance?
Motorcycle Insurance Groups explained