Frequently asked questions - multibike insurance

I have given the wrong start date, can I change it?

You cannot amend the date a policy is due to start. Please call our cancellations team on 0844 561 6034, who will be able to cancel your policy and requote you from the correct start date.

I own 2 bikes but they are on 2 separate policies, with different start dates. Can I still get a multibike policy?

Yes, our agents will start you a policy on your main motorbike. When your policy for your 2nd motorbike is due to expire they will add the 2nd motorbike on to your existing policy for the remainder of the policy. Both motorbikes will then be on the same policy and will be due for renewal at the same time.

Can I get a multibike policy online?

No, the multibike policy option is only available via the call centre. Please call 0800 11 1066 .

What should I do if I can’t find the make or model of either bike?

Please call our sales team on 0800 11 1066.

Do I have to have the same cover on both motorbikes?

Yes, both motorbikes have to be on the same type of cover but you can choose from Comprehensive, Third Party Fire & Theft and Third Party Only.

Can I have a named rider on a multibike policy?

No, multibike policies are just for yourself as the policy holder and owner of the vehicles.

Am I covered to ride other motorbikes?

Yes, most Hastings Direct policies cover you to ride any other motorbike on a third party only basis, provided the vehicle is insured, the owner has given permission and the vehicle is not owned by yourself as the policyholder. Please see your certificate of insurance or confirmation email to check your cover.

Can I ride either motorbike abroad?

Yes, you are automatically covered to ride in any EU country at the minimum level of insurance required. You also have 90 days automatic EU cover included at the same level of cover as you have in the UK if you have a Hastings Direct policy, unless stated otherwise on your policy documents.

What are the terms and conditions for qualifying for a multibike policy?

As the policy holder you must:

1) Propose no more than 1 additional motorbike.
2) Both motorbikes must be kept in a locked garage at your home address overnight.
3) The combined value of both motorbikes must be no more than £20,000.

What do I do if I have lost my certificate?

We can send you a new certificate, however a fee of £35 may apply. Please call customer services on 0844 800 3844.

Will you insure my motorbikes if they have modifications?

Any modifications that improve your motorbike's value, performance, handling or attractiveness may be unacceptable. Please call one of our sales advisors on 0800 11 1066.

Do I need to report any car accidents on my motorbike policy?

It's important to disclose anything in the last 5 years relating to a car or a motorbike, as failure to disclose previous incidents or claims could invalidate your policy cover or claim.

What security devices will reduce my motorbike premium?

Some insurers offer discounts, please give details of your security devices during your quotation.

If I have a fault claim during my policy, will I still be able to renew?

Yes, the acceptance criterion for a multibike policy requires you to not have had a fault claim in the previous 12 months. If you have had a claim during the policy term you will still be able to renew your multibike policy.

I have just incurred a motoring conviction - do I need to advise you straight away?

You can call us at anytime to advise if you have incurred a conviction. However, it does not need to be added onto your policy until your next renewal.

I am moving home - will this affect my premium?

Your address details are one of the criteria your policy is rated on so any change of address could result in a change to your premium. You will need to call our customer services team on 0844 800 3844.

Can I add riders on to my policy?

No, multibike policies are for the insured only.

What do I need to send in as my proof of no claims discount?

We will send you a form to complete, or we will ask you to send in either your most recent renewal invite or a letter confirming your no claims discount from your previous insurer.

I have had a claim. Can I add protection to my no claims discount if I pay the difference?

No. You can only add no claims discount protection when you take out a new policy, or at your renewal.

I have missed a direct debit payment. What should I do?

You will need to discuss your options with our accounts team. Please call them direct on 0844 8000 549.

I can't afford to pay for my insurance. What should I do?

If your circumstances have altered, you will need to discuss your options with our accounts team. Please call them direct on 0844 8000 549.

I no longer want my insurance policy so have cancelled my direct debit. Will this cancel my policy?

No, cancelling your direct debit only means you will stop making payments to us. Your policy will still be in force so you will still be required to pay for your days on cover. If you no longer need insurance you will need to speak to our cancellations team. Fees apply.

Will my policy automatically renew?

To make things easier for you, in most cases we operate on an automatic renewal basis. Your renewal documents will clarify what type of policy you have and whether it is set to automatically renew.

Can I opt out of automatic renewal?

If you would prefer us not to automatically renew your policy please call our renewals hotline 0n 0844 561 6034.

How do I cancel my renewal?

Please call our renewals team to cancel on 0844 561 6034.

Will I be charged if I cancel my renewal before the start date?

No, the cancellation fees are only applicable once the policy is in force.

What happens if my policy has renewed automatically but I have taken insurance elsewhere?

We will need to see a copy of your certificate from your new insurer. Providing the certificate shows you took the policy on your renewal date we will issue a refund of any payment we have taken and cancel your renewal from the inception date.

I have had an accident. How do I make a claim?

If you need to report a claim, you must report it as soon as possible and call our 24 hour UK based helpline, details of which are in your policy documents.

What is a total loss?

If the cost of the repairs is more than your vehicle's current market value, it is likely we will consider it to be beyond economic repair. This is often referred to as a total loss. In these cases, we will make you an offer for your vehicle based on it's market value. Please refer to your policy booklet for full details.

What happens if my vehicle has been stolen/set on fire?

Once you have registered a claim, our Validation team will arrange a telephone conversation with you to discuss the circumstances and what will happen next.

What is an uninsured loss?

These are costs you may incur as a result of an accident, that are not already covered by your motor insurance policy. For example, the policy excess. If you have additional products on your policy, like legal protection, the provider may be able to assist in recovering reasonable costs from the person responsible.

What happens if the accident is not my fault?

Our main concern is to get your vehicle repaired or settlement out to you if it is a total loss. We will then try to recover our outlay from the responsible party. If we are successful then making the claim will not affect your No Claims Discount.

What happens if the accident is my fault?

If you have a comprehensive policy we will arrange for your vehicle to be repaired or settled on a total loss basis, we will also endeavour to contact the third party and assist them in settling their claim as quickly as possible. If you receive any correspondence from any other parties involved in the incident please forward it to us and we will try and respond on your behalf.

Do the optional extras cover me on both motorbikes?

Yes, optional extras cover you as the policy holder, so are applicable regardless of which motorbike you're riding.

What if I change my mind and no longer require the policy?

You can cancel your policy at any time. Cancellation, however, is subject to our fee - which is £25 if cover has not started or within the first 14 days and £55 at all other times - plus whatever your insurer charges for your time on cover. Please see full terms and conditions for details.

Will I have to cancel my policy if I buy a new bike?

No, in most cases we can simply change your vehicle details on your policy. Depending on your new vehicle, the premium will be adjusted accordingly. Please call our customer services team on 0844 800 3844 for a quote.

If I cancel my policy, what are the fees?

Cancellation is subject to our fee - which is £25 if cover has not started or within the first 14 days and £55 at all other times - plus the insurer charge for your time on cover. Please see full terms and conditions for details.

I no longer want my insurance policy so have cancelled my direct debit. Will this cancel my policy?

No, cancelling your direct debit only means you will stop making payments to us. Your policy will still be in force so you will still be required to pay for your days on cover. If you no longer need insurance you will need to speak to our cancellations team and cancellation is subject to our fee - which is £25 if cover has not started or within the first 14 days and £55 at all other times - plus whatever your insurer will charge for your time on cover.