What should I expect from a multi bike insurance policy?

BeMulti bike insurance is often the simplest and most cost-effective way to insure multiple bikes. However, finding the best policy is not always as easy.

You want to know your bikes are properly protected and when it’s crunch time, your insurance will have you covered.

But how do you know you are getting the best level of cover?

Here at BeMoto we believe in offering bikers fair and straightforward multi bike insurance. So, we’ve outlined what you should expect to be included in a comprehensive multi bike policy to ensure you get the best deal.

Cover Options

As with a standard motorcycle policy, you should have the usual different cover options to choose from, including:

  • Third Party Only (TPO): This is the most basic level and only covers damage you cause to a third party, their vehicle, property or passengers. It may be the cheapest cover, but it means your own bikes won’t be insured against theft or damage.
  • Third Party, Fire and Theft (TPFT): This includes cover for any damage caused to a third party. However, insurers will also pay out if your bikes are stolen or damaged due to an attempted theft or are damaged in a fire. This usually includes accidental and arson-related damage.
  • Comprehensive: The highest level of cover, this includes everything third party, fire and theft offers, along with cover for yourself and your bike. Therefore, if your bike is damaged or written off in an accident that was your fault (or if no one was at fault), your insurer will pay out.

EU Cover

Taking one of your bikes out for a European adventure shouldn’t be a worry, so always make sure the policy covers you to ride on the Continent. Unlike many insurers who only offer 90 days of cover per year, we offer our bikers more by providing EU coverage for up to 90 days per trip.

24 Hour Helpline

If you need to make a claim, you shouldn’t have to wait. The most reliable multi bike insurers provide a helpline to deal with claims efficiently to have you back on the road in no time. Here at BeMoto, our 24-hour UK based claims helpline means we are always on hand when you need us the most.

Legal Expenses

In the event of an accident you may be left with uninsured losses, such as losing your policy excess, loss of earnings and damages for personal possessions . Our multi bike cover includes up to £100,000 of cover to help you with the cost of legal action to recoup these uninsured losses as well as Motor Prosecution Defence if you’re at risk of losing your licence.

Personal Accident Cover

If you suffer from a serious injury due to a motorbike accident, how will you pay your bills? Personal accident cover provides financial security by paying out a lump sum in the event of an accidental injury or death on a motorbike. Don’t get caught out from poor policy decisions - stay safe and stay covered.

Helmet and Leathers

A set of replacement leathers and a helmet can cost almost as much as some bikes. Make sure your multi bike insurer provides cover for motorbike gear damaged in a road accident. Our Titanium cover will pay out up to £1,500, which is double the amount offered by some providers on the market.

Breakdown Cover

Breakdown cover gives you peace of mind that you won't be left stranded if your bike breaks down, however, most will get you to the nearest garage or home within 2 miles. Look out for insurers that offer roadside, at home, recovery and onward travel - at BeMoto we offer you full RAC UK & EU breakdown cover for all your bikes with our Titanium Cover - to ensure you’re covered for every eventuality.

Excess Contribution

In the event of a successful claim where you are at fault, avoid the dreaded excess with excess contribution cover. You will be reimbursed some or all your excess, so you’re not left out of pocket. Get yourself a provider who can cover your excess payments of up to £500 - like BeMoto!

Amendment Fees

Finally the dreaded adjustment fee... Thankfully BeMoto don't charge you a fee to make changes to your policy mid-term. This includes major changes like moving home, changing your bike or adding modifications. As you'd expect, whilst we won't charge a fee for our amendment service (subject to fair usage), a change of risk may incur some additional premium from the underwriting insurer.

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We've got you covered

Our multi bike insurance offers exactly what we’ve outlined above to provide you with one of the most comprehensive and best value for money policies on the market.

See for yourself - visit our multi bike comparison page to see how BeMoto stacks up against our competitors - compare multi bike insurance.

Thinking about buying a second bike? Contact us today to speak to one of our experts. As bike owners ourselves, we understand bikers’ insurance needs and can quickly provide you with a multi bike quote for cover that meets your exact requirements - at an affordable price.