Starting to think that comprehensive insurance isn't worth it. I'm reading the brochure and it's bullshit after bullshit. Get of clause after get out clause (for them) Keeping in mind that: They asked for my DRIVING experience. I said 8 years of driving (car). You don't DRIVE a motorbike... $2500 discount right there (They gave me rating 1, when I've never had comprehensive insurance or a rating before) So, premium is still $1600 with a slight dodgy on the quote, quite possibly rendering the whole thing moot. THEN, if the vehicle is a total loss: They pay you the market value ($12,990) deducting any unpaid premium (up to $1600) Excess ($575) the unused portion of registration (WHAT?!) (up to $710) The policy comes to an immediate end and the bike is theirs. So we're already down to $10,105. If I ring them and clarify this riding / driving thing, take another $2500 off that, effectually leaves me at $7600, when the bike is worth $13,000. and I've paid $3600 for insurance! Typing this has just talked myself out of comprehensive insurance. It shouldn't be this difficult.