Bike insurance: Multibike AND other peoples bikes?

[truslack]

I'm having trouble finding an insurance company that will cover me on 3 of my own bikes (all classics, if it matters) and cover me to ride other peoples bikes as well, does anyone have any recommendations?

Ta
Mark
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Current: Suzuki RG 125 Gamma, Honda H100, Triumph Tiger 800XC, Suzuki SV650 (minitwin)

[TheDonUK]

no idea about classics, but im with MCE and they seem to give TPO cover on other bikes as standard. You hear stories that the afterservice etc is bad, but the price is low...

Pays you rmonies takes your chances..
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[Current Bikes - GSXR-750 K5 & C90-97 ] [Previous Bikes: Runner 125, YBR 125, GS500, Bandit 600, Hornet 600, ZX6R-99, C90-99, R1-99, XT600E-04, GSXR-750 K4, CRF250L '16]

[truslack]

MCE will only do cover on other peoples bikes if you're over 21, unfortunately I'm 19
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Current: Suzuki RG 125 Gamma, Honda H100, Triumph Tiger 800XC, Suzuki SV650 (minitwin)

[deleted111]

This is what I don't understand if I'm honest.

I'm 18 and ran a few quotes of thebikeinsurer and gocompare etc.

Quite a few came back with a box ticked stating 'cover for other people's bikes' or words to that effect!

[Bendy]

I had 4 bikes on one policy plus other bike cover with Aquote. Don't know about the age limit though (doesn't matter to me!)

[truslack]

[t121anf]

be surprised if you got it on a single bike policy at that age, normally 21+

[Fisty]

when I was 20 I had 2 bikes and tpo on any other with bikesure.
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Quietly and consistently taking the piss.
TL1000R | Hayabusa | ZXR400 | TL1000S | Bandit 400 V
Fatter and faster than Fret

[Teflon-Mike]

I used to keep a policy open on a 'ghost' moped. Bike didn't actually exist, it had been dumped i a skip 3 years before I was even old enough to ride, it, but I had the number-plate.....
Was twenty-too-many years ago, but cost me something rediculouse like £25 a year fully comp.
Held it open for about five years from when I was 17, as it was cranking up NCB discounts I could use on a car, offered legal services, and covered me to ride / drive any other vehicle with owners concent.
Found it a very useful little instrument; got the loan of a brand new SAAB 9000 for the week-end once from it, another occassion, a Masaratti Bi-Turbo! (Both freinds of my Uncle / Father, who had drunk too much & needed some-one drive them home & save thier licence!)
It was while I was at Uni, and with an unreliable car, and a bike that kept getting nicked, was most useful for being sure I was covered when I borowed a car off-some-one.
BUT, do be careful when using the 'Any Vehicle with Owners Concent' clause, and check the small print carefully.
I had it on a policy from, I think it was direct line, once upon a time. Used it to drive an american mini-van I was thinking of buying.... called them for a quote on the thing, and they told me they wouldn't covr it, as it was left hand drive.... I told them they already were...... I was driving it under the policy extenion on my Granada.... they got very 'squiffy' about it!
Also, the vehicle HAS to be insured in its own right, to use policy extension, AND it HAS to be sregistered in some-one elses name.
My old moped policy was quite useful in that respect, as the wording didn't ACTUALLY nail that one down, and I DID use the policy to tax a car I owned and was registered in my name, so I could flog it, once.... these days tends to be nailed down a bit better in the small print!
BUT you get the idea.
Cheap moped policy; limit the premium by picking something incredibly mundane and insurance freindly to begin with, like a C50 or Thomas pedel & pop. Limit it further by accepting the lowest mileage restriction you can, and highest theft excess you can.... after all, it dont exist, so you aren't going to do ANY miles, and as it dont exist, it aint going to be easy to steal, is it!
But, you should get the any-other vehicle extension you want, so do make sure the voluntary excess on damage is sensible, AND you can clock up a few extra years notifiable NCB on it, while you keep it running.
(21 years old, I bought an MG Metro. Hardly startling, but few of my mates could afford the insirance on one, certainly not in thier own name. Insurer didn't believe me whan I claimed six years and 'full' No-claims discount, having only held a driving licence for four years! I had 3years on a car, and three years on the moped, thay ALL counted!)
Worth checking out, I'd suggest.... theres a few pluses from the scheme, and it is NOT illegal, to insure a 'ghost', provided you aren't committing fraud some-how, like registering your every-day commuter in some-one elses name and riding it on the extension, or try claiming for theft of a vehicle that doesn't exist.
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My Webby'Tef's-tQ, loads of stuff about my bikes, my Land-Rovers, and the stuff I do with them!
Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?'

[G]

Forget what company I'm with for multi-bike, but pretty sure I put the details in on the bike insurer and got it from there (remember to use fake contact details otherwise they will spam/phone you).
Also they have a column on the insurance details page for whether it covers riding other bikes or not I believe.

[MarJay]

[deleted111]

Actually, now you've mentioned 33bhp, all of a sudden it all makes a lot more sense to me.

[Imonster]

[MarJay]

[Benson_JV]

Willson is insured on his ER5 and also on other peoples bikes TPO and he's only 19.

Hope that helps...in some way
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Willson - "If you go out on that CBR600 in the winter, you're going to do more miles on your side than on your wheels."
Riding: CBR600FW Driving: Audi A6
Previous Bikes: '96 Bandit 600, '96 GPz305

[Polarbear]

I'm with carol nash, multi bikes and can ride any one elses. The only restriction with multi bike is that you cannot have any other riders on your policy, ie, my wife can't be insured on any of my bikes except via her own insurance.
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Triumph Trophy Launch Edition

[ms51ves3]

[Mal]

I've got a multibike policy with riding other bikes through BikeTeam, though I am (a fair bit) over 21.

Mal
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Current: 2002 FJR1300, 1999 Thundercat, Previous: 1998 XVS650 Dragstar

"In the end we're all just chalk lines on the concrete - drawn, only to be washed away."

[TheDonUK]

aQuote are not bad to be fair to them, not the cheapest, but the customer service is good in so far as you get a smile and a kiss with your administration charges assfuck
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[Current Bikes - GSXR-750 K5 & C90-97 ] [Previous Bikes: Runner 125, YBR 125, GS500, Bandit 600, Hornet 600, ZX6R-99, C90-99, R1-99, XT600E-04, GSXR-750 K4, CRF250L '16]

[serlant]

i've got a single bike on my policy so don't know how much help it will be but the 33bhp restriction doesn't stop it because i've got ride any other bike TPO, it just has to be in keeping with my license ie 33bhp or less.

[Teflon-Mike]