pissed off with mine. used to be £103 fc with a few extras thrown in as well
then a no fault of mine prang (i was stationary and he bounced of the back of a lorry in to me from the other side of the road) and because the bike was written off that insurance company would no longer insure me, bang gose 7 months insurance i had left.
had to go with a firm that would insure a written off bike and now because of the shunt and the fact its an ex write off i pay £312 fc
i have IAMs but not all companys give a discount for it and sometimes i found i actualy got a lower quote if i didnt say i was iams lol
when it comes up for renewal i will look harder for a better deal again but affter the crash it was just a mad rush to find a company that would insure an ex write off.
i meen jesh it was a scrape to the nose cone, peg and a POSSIBLE bend to the handlebars lol (they couldnt see a bend but because it had touched the ground they had to say it was bent ) slight mark to crash bung and a new brake leaver and a small mark on mirror and indicator.
Now i have moved, bike is garaged which it wasnt before and has a thatchem approved lock that it didnt before and a better postcode area. so i hope i can get back down to around £100-150ish at renewal