I just tried again this morning with Hastings Direct. I have a quote just for my BMW R1250GSA of £241 for premium cover yet when I try to get multibike cover with the Tmax included, nobody is willing to quote to insure me?

I can get cover on a separate policy for the Tmax with zero NCD applied for £108.

What the hell is going on with the Insurance industry all of a sudden ???

This does seem odd to me. Have you tried contacting them by live chat or phone? This might reveal why you can't get a multi bike policy.

What is going on? Its really quite simple. The only real people that you can speak to are operators in front of a computer just like yours who are very often working from home. Most of the companies who claim to be brokers are actually web site or computer system operators who pass your details directly through to the computers of the underwriters with very little personal contact. The computers just say yes or no and this information is transferred to the customer. If you have hit a snag getting the insurance you want via their on-line system there is often practically no chance that speaking to a real person will help, because they are at home using a computer which is slower than yours and often with screaming kids distracting them. They might want to help but with no colleagues at the next desk to ask they will have to put you on hold interminably while they try to find answers.

This situation has arisen because of two factors
1) Covid working practices i.e. working from home.
2) On-line comparison sites making skilled brokers irrelevant and unaffordable.

I am sticking with Bikesure/Adrian Flux for all my two wheelers and classic car but even their standards are slipping a bit. I use comparison sites for my modern car and every year I dread the task of finding the best offer or making a change.

I got sorted in the end with Hastings Direct insurance but all very weird....

Couldn't get a quote for multibike cover either online or by phone for my 1250GS Adventure and the Tmax with an Akra pipe, very odd ??

Decided to insure the Adventure and worry about the Tmax later. Got a policy sorted online for the Adventure with Hasting for £212.

Tried to insure the Tmax and still having issues so rang them.....

Different girl from the first time got me full cover on both the Adventure and the Tmax combined for £198 (and cancelled my £212 policy for me).

If she could do it on her system, why could nobody else ???

Glad you got it sorted in the end. Getting things sorted with call centers can be a real pain you get some that will go the extra mile to help and others just don't want to know.

Possibly the failed first call triggered the re-calc?

Travel and insurance pricing is very often based on algorithms. Mostly, if they get ten hits enquiring about going to Malaga next Tuesday they jack the price up, but subject to cost and a set level of "stickiness in a downwards direction", they'll also act on the abandoned baskets.

It's up to internal politics and call centre managers to encourage the workers in which option to select on the closed-failed screen, business lost to competitor, customer undecided whatever. The poor operators are reading from a script, they are literally the face of the AI.

Andy