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  #1  
Old 11th December 2018, 11:23 AM
Otischop Otischop is offline
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Motorbike: Kawsaki Vulcan 650 S
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Default Insurance - Multi Bike

Hi,
Currently with AXA, have emailed but no response and thought I'd be quicker getting an answer here...

Many on here with 2 or more bikes? If so with AXA? and if you have 2 bikes insured was it a big jump? I know the one not being driven would be insured as fire/theft if left at home etc. The other would be fully comp while driving, I know it'd depend on the second bike and how expensive it'd be/cost of insuring.

So essentially, is it straightforward enough to get a second bike insured?
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  #2  
Old 11th December 2018, 11:30 AM
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Biker.ie Member No. 21821 from Dublin
2,941 posts since May 2010
Motorbike: r1200 GS
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Default Re: Insurance - Multi Bike

Yeah it is straight forward. Your premium will be based on the more expensive machine and there will be an extra charge for the second bike. Had two bikes for years up to recently. I always made sure I had fully comp on which ever bike i was riding...
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  #3  
Old 11th December 2018, 05:05 PM
tankas tankas is online now
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Biker.ie Member No. 31168 from North Dublin
878 posts since Mar 2013
Motorbike: VFR800X-Tracer9-Caponord
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Default Re: Insurance - Multi Bike

For me it was about €50 hike if I remember correctly. 330 to 380 or so.
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  #4  
Old 11th December 2018, 06:27 PM
Barbra Barbra is offline
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Default Re: Insurance - Multi Bike

that's Right tankas I'm with principal and they charge me 50 euro extra for to add my 125 to my R6 insurance.
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  #5  
Old 11th December 2018, 07:35 PM
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Biker.ie Member No. 9980 from west limerick
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Default Re: Insurance - Multi Bike

Yup, with c&n, charged for the most valuable or most powerful bike plus fifty quid for each subsequent bike, got five on the policy at the minute, no problem.
By the way , before ye all start, all five wouldnt pay for one decent bike, just like variety .
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  #6  
Old 12th December 2018, 10:33 AM
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Biker.ie Member No. 34969 from Cork
1,587 posts since Jul 2015
Motorbike: The all mighty GS
Default Re: Insurance - Multi Bike

There's plenty of factors out there that will make you eligible for a multi bike policy or not. Things like the value of your bikes, area where you live and if you garage them or not will definitely make it or break it.

In my case, no insurance company will offer me multi bike policy because I didn't have a garage before and they didn't care that the bikes were locked with ground anchors, covered and behind the house out of sight behind a huge double metal gate. Had to get myself a shed for it... was a great excuse to get myself my mancave but definitely not a cheap workaround.

I guess I'll make it up in a few years with the savings on my premium.
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  #7  
Old 12th December 2018, 01:39 PM
tankas tankas is online now
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Biker.ie Member No. 31168 from North Dublin
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Default Re: Insurance - Multi Bike

Yep I was/am with Principal as well. And yes, I had a garage at the time.
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  #8  
Old 12th December 2018, 08:11 PM
Otischop Otischop is offline
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Motorbike: Kawsaki Vulcan 650 S
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Default Re: Insurance - Multi Bike

Originally Posted by allsorts&oddjobs
Yup, with c&n, charged for the most valuable or most powerful bike plus fifty quid for each subsequent bike, got five on the policy at the minute, no problem.
By the way , before ye all start, all five wouldnt pay for one decent bike, just like variety .
Love this!!! I aspire to be you one day :) Fairly new to bikes but just love them, started commuting (50K a day) a bit now and think I need something a bit more practical, have a Kawasaki Vulcan that's lovely to ride, thinking of a Versys or BMW GS. Just need to be a bit more visible on the roads, even though the gear i have makes me look like Tron :)
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  #9  
Old 12th December 2018, 08:39 PM
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allsorts&oddjobs allsorts&oddjobs is online now
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Biker.ie Member No. 9980 from west limerick
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Default Re: Insurance - Multi Bike

Originally Posted by Otischop
Love this!!! I aspire to be you one day :) Fairly new to bikes but just love them, started commuting (50K a day) a bit now and think I need something a bit more practical, have a Kawasaki Vulcan that's lovely to ride, thinking of a Versys or BMW GS. Just need to be a bit more visible on the roads, even though the gear i have makes me look like Tron :)
Yeah, well to be me you need to be mid fifties, fat, half bald and half bollixed, don't be in any rush mate. Nothing wrong with the vulcan, grand bike but for commuting an upright bike like the versys gives a better view ahead and you are a bit more visible alright, having a couple of extra lights on the bike is no harm either
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  #10  
Old 13th December 2018, 09:30 AM
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Biker.ie Member No. 34969 from Cork
1,587 posts since Jul 2015
Motorbike: The all mighty GS
Default Re: Insurance - Multi Bike

Originally Posted by Otischop
Love this!!! I aspire to be you one day :) Fairly new to bikes but just love them, started commuting (50K a day) a bit now and think I need something a bit more practical, have a Kawasaki Vulcan that's lovely to ride, thinking of a Versys or BMW GS. Just need to be a bit more visible on the roads, even though the gear i have makes me look like Tron :)
GS is an absolute beast for commuting and if you get the panniers you have tons of capacity to take your stuff around not a bother.

Now, don't say it too loudly in this forum. There's a lot of jealousy towards the mighty GS... haters gonna hate.
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  #11  
Old 13th December 2018, 09:34 AM
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Biker.ie Member No. 24081 from Near Wild Heaven
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Default Re: Insurance - Multi Bike

Principal charge 50 per extra bike up to 3 bikes.They wanted 100 and something to add a fourth bike for me.
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  #12  
Old 13th December 2018, 02:03 PM
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Biker.ie Member No. 5067 from Kildare-ish.
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Default Re: Insurance - Multi Bike

Originally Posted by RTV
GS is an absolute beast for commuting and if you get the panniers you have tons of capacity to take your stuff around not a bother.

Now, don't say it too loudly in this forum. There's a lot of jealousy towards the mighty GS... haters gonna hate.
Braggers gonna brag!
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  #13  
Old 13th December 2018, 02:04 PM
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Biker.ie Member No. 34969 from Cork
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Motorbike: The all mighty GS
Default Re: Insurance - Multi Bike

Originally Posted by johnny b
Braggers gonna brag!
Where's the braging there, sir? That I think it's a good bike?

Oh, the horror... THINK ABOUT THE CHILDREN
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  #14  
Old 13th December 2018, 04:26 PM
johnny b johnny b is online now
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Biker.ie Member No. 5067 from Kildare-ish.
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Default Re: Insurance - Multi Bike

Originally Posted by RTV
Where's the braging there, sir? That I think it's a good bike?

Oh, the horror... THINK ABOUT THE CHILDREN
I was taking the piss...

But you have just got uber offended about your bike so to the op get a gs but don't leave your sense of humour behind.

I'm very aware they are a good bike but they are like German cages, expensive to fix and out of warranty hard to live with if major things go wrong.
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  #15  
Old 13th December 2018, 04:41 PM
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Biker.ie Member No. 34969 from Cork
1,587 posts since Jul 2015
Motorbike: The all mighty GS
Default Re: Insurance - Multi Bike

Originally Posted by johnny b
I was taking the piss...

But you have just got uber offended about your bike so to the op get a gs but don't leave your sense of humour behind.

I'm very aware they are a good bike but they are like German cages, expensive to fix and out of warranty hard to live with if major things go wrong.
Naaaaaaaaaah, was joking as well lad. It's all good. If it would bother me at all, I wouldn't make it public.

Arguably, any bike will get very expensive to fix when they go wrong. There's a lot of myths behind the bikes and it's the popular thing to do to hate on them, so yeah... I haven't had any vehicles cage nor bike that if you go to the specific forum you wouldn't hear the nightmare stories. They all have something, and there's always the model to avoid.
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  #16  
Old 8th January 2019, 04:06 PM
Otischop Otischop is offline
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Biker.ie Member No. 38518
30 posts since Aug 2018
Motorbike: Kawsaki Vulcan 650 S
Modifications: Nope
Default Re: Insurance - Multi Bike

Just off the phone to AXA,
additional bike to insurance = €293 Fucking nuts right? It's be a BMW 1200GS, secondhand with value of no more than 5k, said it was because the group that the bike falls into, I'm presently on a Kawasaki 650 vulcan.
I was expecting to pay maybe 100 at most...
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  #17  
Old 14th January 2019, 08:48 AM
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RTV RTV is offline
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Biker.ie Member No. 34969 from Cork
1,587 posts since Jul 2015
Motorbike: The all mighty GS
Default Re: Insurance - Multi Bike

Originally Posted by Otischop
Just off the phone to AXA,
additional bike to insurance = €293 Fucking nuts right? It's be a BMW 1200GS, secondhand with value of no more than 5k, said it was because the group that the bike falls into, I'm presently on a Kawasaki 650 vulcan.
I was expecting to pay maybe 100 at most...
You pay insurance based on your most expensive bike, so basically they have recalculated what you were paying for the vulcan and adjusted to the GS. The vulcan is your additional bike now and you're probably only paying a few bobs extra for it.

... ask me how I know.
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  #18  
Old 14th January 2019, 12:24 PM
Otischop Otischop is offline
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Original Poster of This Thread Topic Starter
 
Biker.ie Member No. 38518
30 posts since Aug 2018
Motorbike: Kawsaki Vulcan 650 S
Modifications: Nope
Default Re: Insurance - Multi Bike

Originally Posted by RTV
You pay insurance based on your most expensive bike, so basically they have recalculated what you were paying for the vulcan and adjusted to the GS. The vulcan is your additional bike now and you're probably only paying a few bobs extra for it.

... ask me how I know.
But is not a jump of nearly 300 notes not a big one? Some said on here it'd be an extra 50 or 100, I was expecting and fine with paying that, the vulcan is 8k as it was brand new last year "182" reg, the GS would be second hand at around 5k.
You obviously have a few bikes on the go Ninja?
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  #19  
Old 14th January 2019, 12:26 PM
Otischop Otischop is offline
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Biker.ie Member No. 38518
30 posts since Aug 2018
Motorbike: Kawsaki Vulcan 650 S
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Default Re: Insurance - Multi Bike

Sorry, I mean't RTV :)
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  #20  
Old 14th January 2019, 03:06 PM
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RTV RTV is offline
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Biker.ie Member No. 34969 from Cork
1,587 posts since Jul 2015
Motorbike: The all mighty GS
Default Re: Insurance - Multi Bike

Yeah, the thing there is the risk level. If you jump to a sports bike or a high cc bike like the GS, the risk level raises up for quite a bit.

As I said before, there's a huge number of values that insurance companies will look at to screw you one way or the other.

If you had the GS and but the vulcan it would probably be a cheaper jump, if you know what I mean.

Another thing to consider is that not all do multibike policy... did you ring Principal?
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