Multi-bike policies

Richard53

Is anyone aware of an insurer who offers a rider policy, like Norwich Union used to offer? (Basically, you paid to ride any bike up to an agreed capacity.) The online comparison sites seem to want to quote for single bike policies only, and so far I have drawn a blank. I have two bikes currently on the road and it seems silly to be paying for two separate policies when I can only ever ride one at a time. If I pay to insure the most risky (however you calculate it), then if I am out on the less risky bike that's a reduction in risk to them, right? Any advice or recommendations welcome.

forgotmyname

Comparison websites are for the mainstream. Tick yes or no boxes.

If you need something different to need to phone directly and speak to the insurers or a good broker.

Check club schemes also. I insure my car through a club scheme and it works out cheaper.

gingernm

Try Bennetts,

They do multi-bike policies.

Rob.

Richard53

Thanks, very helpful.


Edit: just tried them, and the quote is a good one. Cheers.

facade

Adrian Flux do multibike through their Bikesure offshoot.

AFAIK only Trinity Lane & Equity Red Star offer multi-bike, you want the broker who can get you the best deal with either.

Norman_Castle

http://www.carolenash.com/bike-insurance/multi-bike

Stooby2

+1 for Carole Nash.

facade

Having read the original post, you won't get a rider policy, only specified multi-bike.

Buellguy

Carole Nash do the rider policy, but it is for the bikes you own (i.e. they take it that only you ride the bikes that you own, you own more than one and therefore can only ride one at a time, I used to work for them)

facade

That is how multi-bike works, but you have to declare all the bikes at the inception of the policy (or later and pay admin fees), pay for the riskiest, and then pay a fee based on the value of additional 'bikes, as they have fire, theft and accidental damage cover when you are not riding them.

AIUI the rider policy, where you insured upto say 650cc and were then covered for any bike upto 650 (including your mate's R6 when your own bike was a cb400) went with the introduction of insurance groups for bikes as an R6 is a bit more to insure than a 650 deauville.

Buellguy

facade wrote: »

That is how multi-bike works, but you have to declare all the bikes at the inception of the policy (or later and pay admin fees), pay for the riskiest, and then pay a fee based on the value of additional 'bikes, as they have fire, theft and accidental damage cover when you are not riding them.

AIUI the rider policy, where you insured upto say 650cc and were then covered for any bike upto 650 (including your mate's R6 when your own bike was a cb400) went with the introduction of insurance groups for bikes as an R6 is a bit more to insure than a 650 deauville.

Yep, totally agree