That old chestnut: insurance premiums - serious problem now.

[Dead Eye]

Interesting I've found the opposite, my premium has dropped with my renewal. Last year was circa £160-180 I think and this year it was £135 - literally nothing has changed other than 1 more years NCB and license duration. Though having said that I have now hit 5 years on both, so maybe that's a cut off point? For reference, I'm 26 on a FZS 1000 that is garaged at a reasonable-ish postcode. I also insure with MCE as they seem to be the only company that's reasonable when it comes to declaring modifications

Note that insurance resellers (probably 90% of the companies you will ever deal with) do often have to go to market to obtain a new underwriter and if their portfolio is bad (lots of claims against very little earned premium) then they aren't likely to get a good deal with the underwriter... Yes, my work is related to the insurance industry