Single insurance vs Multibike Policy

[rugbyleague]

So today I tried to add my new bike to my current policy.

Current bike is a Gen 3 Hayabusa and arriving next week is a new Husqvarna 701 enduro.

Bennetts were unable to add my new bike, however offered to cancel my current policy and open me a multibike policy.

Cancelling my current policy and setting a new one would cost me £760, both bikes would be insured on a multibike policy.

Leaving my Hayabusa policy alone and simply taking an individual policy for the Husky costs me £300 so quite a saving.

I looked at other multibike policies and couldnt get anywhere 2 single policy prices? Am I doing it right ie am I looking in the right places?

[Drawweight]

It depends is the answer.

Personally when I had 2 bikes I couldn't get a multi bike policy to be anywhere near me insuring them separately.

Others have different opinions and results.

I used various comparison sites and the results were similar. Possibly I wasn't looking at companies that weren't on those sites.

Sorry not much help but just my experience.

[rugbyleague]

Thank you, I was wondering if I was looking in the wrong places

[black-k1]

Drawweight said:

It depends is the answer.

Personally when I had 2 bikes I couldn't get a multi bike policy to be anywhere near me insuring them separately.

Others have different opinions and results.

I used various comparison sites and the results were similar. Possibly I wasn't looking at companies that weren't on those sites.

Sorry not much help but just my experience.

I found the same. It was cheaper to run two policies than get a multi bike policy.

[gareth_r]

In my experience, a multi-bike can be a right pain if you want to change insurer.

[-Cappo-]

I've got several bikes and I've had a multi bike policy with Carole Nash for over 20 years, with the exception of one year when they couldn't/wouldn't beat a Bikesure quote. It works for me. They seem to price it against the most valuable bike, then just add the others on for pennies as you can't ride more than one at a time. I bought a Tuono recently and it cost me a whole.........£20 to add it to the policy (which is about halfway through it's year). Didn't feel the need to shop around at that

They were also excellent at dealing with a claim when a car driver thought that the rules of pulling out of a side turning were "look left, look left, look left again".

[Cwomble]

I’ve had multiple bikes for year.
Three seem to be the minimum number where it makes.

[Neal H]

I also have a multi bike policy with Carole Nash, for two bikes. I took it out when I bought a second bike as it was cheaper than buying a new policy for the new bike as I would have started with zero ncb on it.

Triumph Speed Twin 1200 and 400X Scrambler costs me about £320. I plan to add a third bike early next year.

[doogalman]

I run my two bikes, two cars and a camper van all on individual policies. Done the multi bike or car policies and gone back to individual, it’s a right pita come renewal time but it saves me quite a bit. As an example the cars were on a multi policy but this year due to premium increase it was gonna be cheaper to insure both cars + camper than it was last year for just the cars on the multi policy.
Conclusion is they are all robbing bar-stewards but it’s easier to stay in control of them when they are all separate.