Insurance must work very differently over there than over here.
We have to insure everything separately pretty much. You can insure multiple bikes, and a multi vehicle policy is possible but not worth the hassle (been there done that).
Cost wise, as I have one claim against me and only three years no claims, my insurance for the CB alone, is around £450. Our smallest car (VW UP!) is cheap as I have 12 years no claims bonus, so that's £220ish.
I have paid in excess of £1500 for cars in the past, won't be doing that again......
On top of these we have house and contents insurance, also separate. When I work out the total cost of insurance wish I could have at least some of it back.