Insurance for two bikes

[fuzz]

I've just had an online quote for two bikes cheaper than that of just the first.

1999 VFR800 - £418.20 TPF&T 1y NCB

Add 2000 NSR125R - £405.20 TPF&T 2y NCB

Not much less, but surprising. The only thing I can think of is that there is 3 years total no claims. Is it really profitable to keep a bike off the road and insured to increase your NCB, and then use the accrued discount on something you might not have been able to afford?

I've just seen what the VFR alone with 3 years NCB would be and it comes out at £315.
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https://www.bikepics.com/members/fuzzbcf/
Bikes: '99 NSR125R, '00 SV650S, K1 GSX-R600, '97 CB500, K3 SV1000S, '16 VFR800

[G]

Adding an extra experienced rider can often reduce your premium.

In that case because if someone more experienced is driving some of the time, presumably you're less likely to have an accident.

In a similar way, maybe you're less likely to have a high speed crash if you're riding a NSR some of the time.

[fuzz]

Hah! Jokes on them then. I probably use the NSR < 0.1% of the time I currently spend on the SV.
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https://www.bikepics.com/members/fuzzbcf/
Bikes: '99 NSR125R, '00 SV650S, K1 GSX-R600, '97 CB500, K3 SV1000S, '16 VFR800

[kb-zxr]

Insurance is stupid. Going for a car quote, fully comp worked out £50 cheaper than TPFT from the same company!