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That is true -- the only multi-product discount that companies usually offer on the bike is when you bundle the car.
i.e.
Bike + Car = Discount on Bike, getting close to 40% (and maybe a Discount on Car as well)
Bike + Life Ins = No Discount
Bike + Home/Condo/Tenant = No Discount
Bike + Bike = *Maybe* a discount on both bikes, getting close to 10%
Car + Car = Discount on both cars, getting close to 10%
Car + Life = Discount on Car, getting close to 10%
Car + Home/Condo/Tenant = Discount on Car and Home/Condo/Tenant, getting close to 10-20%.
I'm an Actuarial Analyst for a Major Canadian Insurance Company. I analyse claims patterns to determine overall rate changes, as well as relative premium differences by various risk characteristics (eg. age, experience, claims, convictions, usage, etc.)
Unless it's private, please post insurance-related questions in the forum rather than sending me a PM.
Current: 2001 Suzuki GSXR1000 (4th Season)
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