Multi Bike Insurance
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Multi Bike Insurance
If you ride more than one motorcycle, a Grove & Dean multi bike insurance policy can be a great solution. Multi bike insurance enables you to cover two or more bikes under a single policy, offering one renewal date, one set of documents and often a lower premium than insuring each bike separately.
In fact, many of our insurance partners base the premium on your highest-valued motorbike and add the others at a discount, making it a highly efficient way to spread risk.
Whether you have an everyday ride, a weekend sports motorcycle or a classic in the garage, multi bike insurance cover simplifies your admin and gives you peace of mind that your personal fleet is protected.
What is multi bike insurance?
Multi bike insurance is a single insurance policy designed to cover more than one motorcycle (or scooter) under the same individual policyholder. Instead of separate policies for each bike, all your machines are grouped together.
Who is multi bike insurance for?
It is ideal for riders who own two or more bikes, perhaps an everyday bike, a weekend sports machine, or a classic that’s only used occasionally. If you are managing several motorcycles, a multi bike policy can streamline the process and reduce cost.
How many bikes can I insure on one policy?
Grove & Dean can insure up to 5 bikes on an individual policy.
Can I insure different types of bikes (commuter, classic, scooter) together?
Yes. Many multi bike policies permit a mix of motorcycles, scooters or mopeds under one policy, although it depends on the insurer’s terms and each machine still must meet the provider’s eligibility criteria.
How is the premium calculated for a multi bike policy?
Typically, the insurer assesses the highest-risk (often highest-value) bike in the set and uses that as the base. Other bikes are added at a discounted rate because the underwriter assumes you cannot ride multiple at once, spreading risk across the fleet.
Does my no-claims discount (NCD) apply to all bikes?
Yes. You can apply your existing NCD to the multi bike policy and earn additional NCB 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.
Can more than one rider use the policy?
Usually not. Many multi bike policies restrict cover to a single named rider. If you need cover for multiple riders, you may need a different type of policy or separate cover.
What are the benefits of choosing multi bike cover?
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.
Is multi bike cover always cheaper than separate policies?
Normally it is, but it depends on your bikes’ values, usage, and risk. Ask us for quotes for both scenarios and compare carefully.
All policies include*
- Breakdown recovery, roadside assistance and home service, including protection for misfuelling
- Foreign use cover (up to 90 days)
- Motor legal protection
- 24/7 claims service
- Knowledgeable UK staff
*Subject to underwriting criteria
We search our panel of leading underwriters to find you the best policy
We are Chartered Insurance Brokers
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.
