Eiron wrote:Will your motorcycle insurance premiums stay as low if you don't also insure a car? Here in the US we often benefit from "multi-vehicle discounts," but if I drop my car insurance for motorcycle only then my motorcycle insurance will go way up. We even have "multi-coverage discounts" if you're insuring your vehicles and your dwelling under that same insurer.
We have the same multi-vehicle thing, they even group it together with house/fire/theft insurance and even mortgage on a house. Well they do not state this explicitly but I know for a fact that it is like this. Some nice guy at the bank where I have my insurance let me look at his computer screen and showed me that all the possible benefits I could have were selected in the available checkboxes. When I disagreed they made a phone call to the head office and all of a sudden some magic checkboxes could be ticked as well; lowering some costs...
So it could be that the motorcycle insurance goes up if I give up on my car, but I guess since my wife is also insured at the same office I'll still get some discount.
I guess their main reasoning, above all other things is: if you crash a car of let's say 1500 kg the possible damage is likely to be much more compared to when you crash a 130kg motorcycle (F=m.a for the physicists out there) . Where the latter will probably involve only you (as far as 'body damage' goes) the first will be more likely to involve other people as well.
After all insurances are not a charity they only exists because they can make a living out of it.
About that better half, sure you'll run into her, the pcx pillion awaits eagerly!