Multi bike insurance - point me in the right direction please!

900triple

900triple

Active member
Okay - up front I hate insurance Companies.

Fed up spending hours filling in on line questionnaires only to get rubbish quotes that seem to have more extras and hidden clauses than you could shake a stick at.
Fed up going on "multi bike" sites only to find at the end it will only take one bike.
Fed up asking a call centre person about the difference a "rider legal policy" is without getting a straight answer. :mad:

Please...can anybody out there point me in the general direction of a broker or insurance Company who will be able to roll together two bikes without. No bullsh1t. Just a price for easy to understand cover. :comp2:

Its not that I've been quoted expensive - less than £70 for the ST4s and I've already got less than £80 for the MHR. Just want one policy. Not asking too much is it...is it? :eek:

Cheers
 
Footman James will take all your bikes (old and new) on one policy.
Depending on age of bike they will at same time do an "agreed value" on some even if others are too new for this.
Call them and remember SDC members get a discount from them.
For what it is worth that is who I use.
Let us know how you get on?
 
rmarinel said:
Have you tried Ducati? I have all my bikes on one policy with them.
Click to expand...

Tried Ducati - over double the price of the two policies on their own...

Problem seems to be that I've got my ncb applied to the Hailwood policy but the ncb cannot be appliedto the st4 policy - hence the attractiveness of a multi bike policy.

Any insurance experts out there? Brokers...?
 
900triple said:
Tried Ducati - over double the price of the two policies on their own...

Problem seems to be that I've got my ncb applied to the Hailwood policy but the ncb cannot be appliedto the st4 policy - hence the attractiveness of a multi bike policy.

Any insurance experts out there? Brokers...?
Click to expand...

With likes of FJ your NCD will be used on the modern bike and anything like the MHR is treated as a classic and premium based on value only.
NCD becomes irrelevant when it is a "classic". Think their definition starts at 10 years or older.
Give them the most modern bike as your "main" bike and the rest will take care of itself.
(Don't claim to be an "expert" but I do have 40 years experience in the game...does that count? ;))
 
See - this is an example of the frustration of the www sites.

I've just tried FJ and spend 10 mins filling in the forms for the multi bike modern option. Fine until I get to the "put in your reg number" section where it should automatically find your bike type. But hey, it cant so have to use the drop down where it lists all the vehicle makes...only they are all cars and there's no bike manufacturers. So then I think I must have gone to the wrong section. Repeat the process but more attentive this times around. And guess what? Yup - the car section again...DOH. Cant go any further...abort mission!!!!!!!!!!!!

Need to speak to someone but this time it'll have to be tomorrow morning cuase I'm shattered fannying about on www that don't work. BTW FJ isn't alone.
 
DON'T do it online!! I said call them! :p :lol2:
Phone them and explain. Generally they are better than some others that will remain nameless but Sod's Law is now you will get the one useless one on the phone. :rolleyes:
You will need to go through all the usual FSA blurb about who they are and how you must disclose all material information and forms basis of the contract etc etc but have a cup of tea at hand for this bit.
After that usual name, address, bike details, use, drivers etc.. May take 10 mins but less frustrating than wading through the wrong proposal form online.
The online systems generally are only set up to deal with one bike and as soon as there is either more than one bike or a "new" bike and an"old" bike the system will just ask you to refer to them.
Chances are Carole Nash and others will be the same.
 
I did all this when I got my other bike.... trawled the internet and called at least 5 companies for what seemed like hours. In the end it was much cheaper to have two policies with one company - using my full no claims on the new bike and no no clams on the Ducati, which turned out to be ten pounds cheaper than I was paying for it with the no claims on that policy!! Go figure that one out.
Anyway, I'm with Swinton and they were great this time (not always the case and I think it very much depends on who you have at the other end of the telephone line as Stewart says).

Good luck :)
 
its all relevant to the individuals situation and requirements
i've insured with 'RSA', through Express motorcycle insurance for three bikes the last three years with no fuss..
0121 386 7720.

as the guys say, better, i think to do the personal thing rather than online insuring

good luck..
 
Try direct choice. ( not direct line) I have four bikes on one policy. No problems. As suggested before, phone them, don't bother with the web sites
 
Thanks for all of the advice. It seems to be best to phone. But then again the prices I've been quoted are all over the place. One insurance Company tells me that despite passing my test 32 years ago, having an insured bike on the road for virtually all of that time AND never having a claim (either way) just because I've had classic insurance for the past 4 years I've got zero ncb for my modern bike now. Only 3 years classic ncb. Go figure that out!

Other thing that p*sses me off is the quoted price which is usually lowish but by the time you add on legal cover, cover for clothing, breakdown cover etc then the price is astronomical! I wish the price had to quoted like for like - in other words all comapnies have to quote for the basic cover - comprehensive/legal/clothing.

No wonder this country is going to the dogs. Hate being scammed....

Anyway the good news is that I've eventually got a multibike policy through CIA which is the same price as both bikes seperate.
 
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