Insuring two bikes with two different companies ?

03-03-2016, 08:45 AM

So I am currently looking to ensure both my bikes, a 2010 Honda CB1300S and a 2009 M1100. I have had multi bike policies in the past but they do seem to be expensive compared to the single cost of each bike done separately.
Does anyone ensure their bikes separately using different companies for each bike and if so how do you deal with the no claims ?
Theoretically you can only use your no claims on one policy I believe ?
Do you list the extras and mods or ensure as a standard machine ?

gemantsdad · 03-03-2016, 08:57 AM

Hi, I usually insure my bikes with the same company, but each one on it's own policy, this allows me to have named riders, so each bike can be used when needed. The logical thing to do with no claims bonus (which can only be used on one policy) is to use it on your highest cost policy. You should always discuss with your insurer about any mods etc. most allow certain things, if they try to charge too much, shop elsewhere ! Bear in mind that they will only repair back to standard.

03-03-2016, 08:45 AM	#1
Italiatwin Guest Posts: n/a	Insuring two bikes with two different companies ? So I am currently looking to ensure both my bikes, a 2010 Honda CB1300S and a 2009 M1100. I have had multi bike policies in the past but they do seem to be expensive compared to the single cost of each bike done separately. Does anyone ensure their bikes separately using different companies for each bike and if so how do you deal with the no claims ? Theoretically you can only use your no claims on one policy I believe ? Do you list the extras and mods or ensure as a standard machine ?

03-03-2016, 08:57 AM	#2
gemantsdad Registered User Join Date: Jun 2013 Location: Wolverhampton Bike: S4Rs Posts: 53	Hi, I usually insure my bikes with the same company, but each one on it's own policy, this allows me to have named riders, so each bike can be used when needed. The logical thing to do with no claims bonus (which can only be used on one policy) is to use it on your highest cost policy. You should always discuss with your insurer about any mods etc. most allow certain things, if they try to charge too much, shop elsewhere ! Bear in mind that they will only repair back to standard.