Good insurance cover

[Arfa]

Heard rumour that an insurer increases IAM premiums on the assumption that riders do more miles per year  :rolleyes

I can certainly believe an IAM rider will put in more miles. But I would have also expected that to be taken into account by your declared mileage per year...
FWIW I actually had Adrian Flux want me to declare my cars mileage when I renewed the policy this year, wondering if they'll be double checking next year. However, it's easily available data on past MOT history...
I can see insurers possible worried about an IAM riders increased risk from volunteering to do Observing duties. Something many good riders are often approached to do post test. And partly why Surety gives all riders class 1 business use, as they consider IAM Observer requires this.