Christ, this insurance lark is a bad deal from start to finish. the variation in what pay is stupid. When you want a pay out no chance. I am lucky I have a car as well as the Hog which is just for pleasure, in the car I have full no claims and no accidents or points in over 20 years, because I have not rode a bike for over 5 years I get Zero. > It's only my age that makes it cheap. Thats my winge over. :-X If you want cheap insurance get old..... :'(