How do you pick one? There’s no obvious comparison site for them, and it’s not even clear from the various companies’ sites who does it and how well.
I’m probably largely unexceptional as far as Insurance goes (though I guess everyone thinks that) and I’ll have at least one old shitter, two dirt bikes and a neither-shiny-nor-that-new-anymore Tiger on the policy with about 25K miles a year across them. I’m bored of chopping and changing so I’d rather be honest about that, too.
Are they generally much cheaper than three sets of tpft and a fully-comp? Who provides it and isn’t an arse to deal with? I don’t need breakdown cover, but feasibly these could all end up abroad in the EU.
I currently have to have two policies and can’t use no claims on both, which is irritating.
I’ve run multi bike quotes with both Carole Nash and Bennetts and CN were cheaper and more flexible with options.
When the Triumph’s insurance runs out in December I’ll probably move it over to CN, along with the S1000R.
Avoid Lexham- they are buggers and don’t tell you until after you have paid that you have a mandatory D lock requirement (not even a disc lock)- it has to be on 100% of the time you aren’t on the bike if you want to be covered and is a PITA if you want to stop in for 5 mins anywhere.
I also found that because most of the companies are brokers you may be insured on a special policy. For me the insurance on the KTM was on a specialist KTM policy that only covers one bike, and that I would have to cancel it to then take out a multi bike policy with the Kawasaki included. It worked out cheaper to just get a second policy on the Kawasaki.
I was with CIA and it was all good. Then had a multi bike with mce and again all was fine. Like you found it was annoying ringing up but unfortunately that’s the only way with multi bike.
Careful if you sell/ have a bike stolen as I never understood if you have to cancel entire policy or they can remove one bike. Never needed to do that as I kept hold of my crashed bike.
Yeah, I’ll be adding the other bikes to it over the next nine months as their policies expire, though, so I don’t think I’ll get a particularly useful quote now anyway Presumably they’re used to that, though, so I just need to pick an afternon and spend it on the phone to insurance companies
I’ve definitely known sold bikes be removed from policies easily without any issues, and I’d be surprised if stolen or written-off were more troublesome. But perhaps not that surprised…
Well I noticed that for my circumstances, any multibike policy appeared to be priced as such:
[6 years NCB on a 990] + [0 NCB on a 640] + [0 NCB on a Minsk] - ~£50.
(and not [6 years NCB on a 990] + [6 NCB on a 640] + [6 NCB on a Minsk] as you might first expect it to work)
In other words, because you can only use one NCB on one bike, they essentially cost that disadvantage in.
Now, what I chose to do, and which cost me more initially, is to insure them all on their own policies. IMHO this is a much better idea because you build up individual discounts. Now I pay
[8 NCB on a 990] + [2 on a 640] + [2 on a Minsk] = rather a lot less than [8 NCB on a 990] + [0 on a 640] + [0 on a Minsk] - £50. Also, factor in that the cost of building up 2NCB on my minsk is laughably cheap, and can be transferred to a much more expensive 4th? bike later on, and just start again on 0NCB on the Minsk.
Also breakdown on each policy for free, obviously not a factor for my fine fleet of vehicular exemplars… And flexibility on which insurer offers the best package per bike.
Ah, so you can build up NCB in parallel? I’d assumed the insurance industry had worked to prevent that, hadn’t even considered that a possibility. That definitely makes concurrent policies seem like a better idea.
And, yeah, I’ve got separate breakdown cover for all of them from my history of going on long journeys on, in or otherwise reliant on vehicles that are older than me.
I use the Greek system. Borrow money to pay for worst option, then pretend to put up a fight and end up borrowing .more for an even worse option… simples
I just stick with two seperate policy,the strange about that is you end up with 2 ncb,I currently have 1 with 8 years ncd and another with 2ncd,I’m sure this isn’t really allowed.didn’t read the posts above but the 2 ncd is never gonna work you have to declare any accidents at renewal and I’m thinking you will just lose both no claims,probably best to keep the larger one protected
Presumably they’re used to that, though, so I just need to pick an afternon and spend it on the phone to insurance companies 