Yeah, I understand.  I don't understand our insurance policies here.  I pay approx $130 per year for my bike, and about $90 per month for a 1998 mazda pickup, and a 2001 honda accord.  To get a 1992 corvette, its cheaper than buying a 95 sentra for me.  I just don't understand where they get these numbers from.

driving records, if its full coverage, the replacement costs, ( if its stolen or totalled) and/or the repair costs

It's called actuariail tables and things you never even tought of as being relevent go into them.

And yes range of motion ability to chase down a suspect on foot and mobility in a fight situation are very important factors when considering allowing officers to adopt gear.

Don't get me started on insurance, i could talk for weeks about what total shite insurance is, the crazy ways its calculated etc etc...

Im basing this on UK insurance because i havn't experienced overseas.

No 1. point is insurance in the UK is a rip of for cars and even more so when you consider it to bikes. Motoring as a whole here is an extremely costly and unfun process.


Ok now onto one of my pet peeves about insurance...

No Claims Bonus, i have ridden and being insured on my own bike for two years now, entitling me to 2 years no claims...

Some insurance companies allow you to use bikes no claims on a car policy (usually ones who do a bike insurance scheme too) so im insured with one of those due to it knocking almost £1k off the cost of insurance for me bringing it down to £2k just from having those no claims.

NOTE: Insurers state that you can only use your NCD on one policy at a time, why the hell is that? what if you want to insure a second car? do you have to pay more because techincally you have no NCD. Well no because some insurers will let you transfer your NCD to a new policy whilst keeping you on the same price because they have SEEN PROOF of your NCD. So now think about it, after 1 year you will now have accrued 2 years NCD, one on each car, or is that just one whole year? when you go to renew again, the second car would now say you are entitled to 3 years NCD your original 2 years plus a year for the policy your renewing now. The first car would say you are also entited to 3 years NCD. Now put those together you have 6 years!? Now try changing insurers, and they go great you have 6 years NCD, proove it, you send them two policies saying you have 3 years on each, 6 years  or is that just 3? who knows no one knows? then they go well its impossible you havn't had your license for 6 years how can you acrew that many years no claims. You explain it and they don't understand. they dont understand their own f'ing NCD policy.

I can't get any idea of what it will cost me to insure anything which is a huge factor when i buy a car, can i afford to insure it? well who knows until i buy it, and even then am i getting a true value. Car companies don't always take bikes no claims so do i have to take my 6 years NCD or 3 years depending on which insurers rules you look at, then do i have to knock 2 years off because 2 were on a bike? how do i prove that 2 were on a bike though, as the policy just states entited to 3 years.... It doesn't specify 2 years on a bike 1 year on a car...


Get my drift? No claims discount is a shite way of measuring how experienced and good a driver you are, you should get points per month insured in any vehicle, say 1 point per month insured driving a car or bike. The higher the points the higher your discount, not try and count in years, which can be doubled or changed from bike years to car years in an instant by just using them all on a car with the insurers which take car no claims.

I hate this system because it matters alot to me and i can never get a true understanding of what it will cost me to insured anything and insurence is the expensive thing for me paying 2k for third party fire and theft , not even fully comp!

I could go on now about how they calculate insurance and how it has nothing to do with how good a driver you are, say your 30 years old, just had your car license for 1 year as you never got round to doing it, however you've been driving HGV articulated lorries for 9 years, you will stil pay the same for your insurance as you mate who is also 30 who has just had his license for 1 year even though you have 9 years PROFESSIONAL driving experience driving a much larger, much more techincal to drive and manover vehicle. How can that be right? Same for me, ive ridden motorcycles for a couple of years on the road, im a professional agricultural driver, driving large articulated tractor trailer units, manovering, reversing, performing tasks in them that have given me a huge wealth of experience and i have over a thousand hours doing it. Yet when it comes to insuring my first car having just got my license, i will pay  the same as my friend who's only road and driving experience is with his driving instructor learning to pass the test. How on earth can that be fair.

Insurance is fundamentally calculated wrongly, it wouldnt be too hard to put right either if the government just stepped in and laid down some blanket rules and systems for all insurers to work from. Im totally happy with some insurers only wanting to insure older drivers to keep premiums down and some only insuring low performance cars, but only when you have the fundementals right!