One insurance company but three bikes on one policy and two on another because last year they would only allow up to three on one policy and I had five. One was sold so the renewal came with three on one, and one on the other. I called because the one by itself didn't have a multi bike discount and discovered that this year they will write four, so a new policy was created with all four. The new policy with all four is $45 less, not than the the two 3 & 1 policies combined, but less than the three bike policy. Not complaining but weird right? It makes no sense.