Multi Bike Insurance

Enter the registration number of the 1st motorcycle to start your multi bike quote.

Multi-Bike Insurance

If you ride more than one motorcycle, a Performance Direct multi bike insurance policy can be a great solution. Multi bike insurance enables you to cover two or more bikes under a single policy, offering one renewal date, one set of documents and often a lower premium than insuring each bike separately.

In fact, many of our insurance partners base the premium on your highest-valued motorbike and add the others at a discount, making it a highly efficient way to spread risk.

Whether you have an everyday ride, a weekend sports motorcycle or a classic in the garage, multi bike insurance cover simplifies your admin and gives you peace of mind that your personal fleet is protected.

We provide insurance services to UK residents only.

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Benefits of our Insurance Policies

FREE legal cover

Multi bike discount

Foreign use cover

No claims discount cover (on all bikes in the policy)

Loss of keys cover

Club membership discounts

UK based contact centre

24/7 claims support

We search our panel of leading underwriters to find you the best policy

Why choose Performance Direct?

The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine, and automated customer services allowing hassle-free access to documents and information.
The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.
We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year.
Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

Multi Bike Insurance FAQs

What is multi bike insurance?

Multi bike insurance is a single insurance policy designed to cover more than one motorcycle (or scooter) under the same individual policyholder. Instead of separate policies for each bike, all your machines are grouped together.

Who is multi bike insurance for?

Multi bike insurance suits riders who own two or more motorcycles, such as an everyday commuter, a weekend sports bike, or a classic that’s used occasionally. For anyone managing several bikes, a multi bike policy can simplify administration and help reduce overall costs.

What are the benefits of choosing multi bike cover?

Cost savings versus separate policies.
One renewal date and fewer documents.
Simplified administration and a single premium payment.
Ability to insure a diverse collection of bikes under one agreement
Existing No claims discount applied across all bikes on the policy.

How many bikes can I insure on one policy?

Performance Direct can insure up to five bikes on a standard multi-bike policy. For classic bike collections, or collections that include a mix of classic and modern bikes, we may be able to insure more than five bikes on a single policy.

Can more than one rider use the policy?

Multi-bike policies don’t usually allow additional riders, as the discounted price is based on one rider using multiple bikes rather than several people riding at the same time. If you need cover for extra riders, please give us a call and we’ll explore alternative options that may better suit your needs.

Can I insure different types of bikes (commuter, classic, scooter) together?

Yes. A mix of bike types can be insured under one multi-bike policy, including commuter, classic and scooter models. Where a collection includes classic bikes, it may be possible to insure more than the standard number of bikes on a single policy, although each machine still must meet the provider’s eligibility criteria.

How is the premium calculated for a multi bike policy?

Typically, the insurer rates the policy based on the highest-risk or highest-grouped bike in the collection. Additional bikes are then added at a discounted rate, as the underwriter assumes only one bike can be ridden at any one time, spreading the risk across the collection.

Can I add or change bikes during the policy term?

Yes, in many cases. However, if your current insurer does not allow additional bikes to be added mid-term, it may be necessary to move the policy to a different insurer.

If you already have a multi-bike policy, bikes can usually be added or swapped at any time, although this may result in a change to your premium. It’s always best to check before making changes so the most suitable option can be arranged.

Does my no-claims discount (NCD) apply to all bikes?

Yes. You can apply your existing NCD to the multi-bike policy and earn additional NCD for the policy overall. However, note that this is per policy rather than per bike, so you won’t earn separate years of NCB for each individual machine.