THIS IS OFF TOPIC!
The secret is to insure each bike individually!
I used the MCN ( OH GAWD!
) insurance finder and after each search, wiped all the 'cookies', so that your past history of insurance searches 'disappears'.
LV wanted £135 to insure the 1986 Morini K2 350, FC, this year and a further £65 to insure Sally SRX598 TPFT on a combined policy. So, I went on MCN and for the Morini alone, the best price was £60 from LV!
Not sure how that works!
Reduced price further by TPFT with 'Carole Nash Select' who then quoted £ 43-47. with Ageas (whom I believe have taken Carole Nash over?) The 'Carole Nash' price in the list of options of FC quotes was nearly as much as the initial LV quote and their TPFT quote was overpriced by a similar magnitude.
With Sally, 'Carole Nash Select' were able to shave a further £5 from the LV TPFT combined quote, for their TPFT, so bringing that down to £60.
So, all for a wee 'search' on the MCN insurance finder I saved £80 from my bill, with a like for like comparison and £97 by dropping the Morini to TPFT, which I am happy to do.
I hope this helps.
Finally, and "on message" (What twat thought that one up?), I too would prefer the Antipodean insurance model, but, their climate is sh!te and I don't wish to disturb them.
My regards, Bill