Can I insure more than one motorcycle on the same policy?

Yes. A multi-bike policy is designed to insure two or more bikes on one policy. The number of bikes and cover options available depend on the insurer’s criteria.

Will multi-bike insurance save me money?

It can. Some riders may pay less than buying separate policies, but pricing depends on factors such as rider experience, bike types, storage, security and claims history.

How does no claims bonus (NCB) work on a multi-bike policy?

NCB treatment varies by insurer. In many cases, one NCB applies across the policy rather than each bike earning separate NCB. We’ll explain how it works for the policy options available to you.

Do all bikes need the same cover level?

Not always. Some insurers allow different cover levels for different bikes, while others require consistent cover across the policy. We’ll confirm the options available at quote.

Can I add a scooter or moped to a multi-bike policy?

Sometimes. Whether a scooter or moped can be included depends on the insurer and the individual risk details. We’ll check eligibility during the quote.

Can I add another bike later?

Often, yes. Many policies allow you to add or change vehicles mid-term, subject to underwriting approval and premium adjustment.

What information do you need to provide a quote?

We typically need rider details, motorcycle details for each bike, usage, storage and security information, annual mileage and your claims history. Requirements vary by insurer.

MOTOR INSURANCE

Multi Bike Insurance

Q: What is multi-bike insurance?

Multi-bike insurance is a specialist policy that can cover two or more motorcycles under one policy, often with one renewal date and simplified administration. Eligibility and savings vary by insurer and risk details.

Enter the registration number of the 1st motorcycle to start your multi bike quote.

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Multi Bike Insurance Made Simple

Grove & Dean multi bike insurance is designed for riders who want a straightforward and cost-effective way to insure more than one motorcycle.

With multi bike cover, you can insure two or more bikes on a single policy, meaning one renewal date, one set of documents and less hassle all round.

In many cases, insurers base the price on your most valuable motorcycle, then add your other bikes at a reduced cost. This can make multi bike insurance cheaper than taking out individual policies, while keeping everything in one place.

From everyday bikes to weekend rides or older motorcycles kept for pleasure, Grove & Dean multi bike insurance helps keep your cover simple, organised and easy to manage.

What is multi bike insurance?

Multi bike insurance is a single policy that covers more than one motorcycle or scooter for the same policyholder. Rather than holding separate policies for each bike, all machines are insured together under one agreement, making cover easier to manage.

Who is multi bike insurance for?

Multi bike insurance is suitable for riders who own two or more motorcycles. This might include a daily commuter, a weekend bike, or a classic used occasionally. It is particularly useful for riders who want simpler administration and a single renewal date.

What are the benefits of choosing multi bike cover?

Multi bike insurance can reduce costs compared to separate policies. It offers one renewal date, fewer documents, and one premium payment. It also allows a range of bike types to be insured together, with an existing no-claims discount applied across the policy.

How many bikes can I insure on one policy?

Grove & Dean can typically arrange cover for up to five bikes on a standard multi bike policy. Where a collection includes classic bikes or a mix of classic and modern motorcycles, it may be possible to insure more than five, subject to insurer criteria.

Can more than one rider use the policy?

Multi bike policies are usually based on one named rider using multiple bikes. Additional riders are not normally included as standard. If cover for more than one rider is required, alternative arrangements can be explored.

Can I insure different types of bikes together?

Yes. Multi bike policies can include a mix of commuter bikes, classics, and scooters. Each bike must meet the insurer’s eligibility requirements, and classic bikes may allow greater flexibility on total numbers insured.

How is the premium calculated for a multi bike policy?

Premiums are typically based on the highest-risk or highest-grouped bike. Additional bikes are added at a discounted rate, as insurers assume only one bike is ridden at a time.

Can I add or change bikes during the policy term?

In many cases, yes. Bikes can often be added or swapped mid-term, although not all insurers allow this. Changes may affect the premium, so it is always best to check before making adjustments.

Does my no-claims discount apply to all bikes?

Yes. Your existing no-claims discount can be applied to the policy as a whole. Additional no-claims discount is earned per policy rather than per individual bike.

Is multi bike cover always cheaper than separate policies?

It often is, but not in every case. Costs depend on the value, usage, and risk of each bike. Comparing both options helps ensure the best outcome.

Grove & Dean Private Clients Chartered insurance broker

All policies include*

Legal Expenses

Multi bike discount

Foreign use cover (up to 90 days)

No Claims Discount shared across all bikes

club membership discounts

UK based contact centre

24/7 claims support

*Subject to underwriting criteria

We search our panel of leading underwriters to find you the best policy

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Underlining our commitment to the best professional standards

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Why choose Grove & Dean Private Clients

Independent and impartial. As we’re not tied to any single insurer, we’re free to compare quotes across a panel of up to 100 leading UK underwriters. This means we can always focus on getting you the right cover at the most competitive price - whether you need 3rd party, fully comprehensive or something more specialist.
Expertly Chartered. We’re a Chartered Insurance Broker, backed by over 50 years of family business heritage. That means we work to the highest professional standards, providing a service you can trust.
Smart, streamlined systems. Our digital platforms make everything easier. From a quick quote to managing your policy and documents, our app and online tools put you in control, anytime, anywhere.
On your side when it matters. If you need to make a claim, we’re here to help - not hinder. As an independent broker, we’ll act on your behalf to resolve issues fast, whether it’s organising a courtesy car or arranging a repair. Our claims support runs 24/7, every day of the year.
Always available. You can access your policy details, request quotes or get support whenever it suits you. Our online account system runs around the clock, and our experienced team is available six days a week for anything you need.

Combining the latest and most efficient digital systems with decades of real-world insurance expertise, Grove & Dean Private Clients delivers outstanding cover, competitive pricing, and service that truly works for you.