Insurance, yet again...

[JamesL]

Trying to work out what I'm missing. Spent most of yesterday afternoon reinsuring the RS and the GS. Have to ring round 'cos half the brokers will only quote multi bike over the phone .

Finally did a deal with Swinton, £40 cheaper than Devitt, to exactly replace my existing policy with the same insurer, Aviva.

Now, last year it cost £95 to insure the RS. Mr Swinton casually mentioned that the insurer's cost to insure the second bike was 1%, ie £25 to insure £2,500 of second bike. So why is the total quote, the best I can find, £180?

Any tips from youall multi bike pros out there?