Since im broken i thought id research my new bike upgrade. Im keen to do the touring thing and the bike will be riden everyday. So i started to look at some decent touring/off road-ish bikes. BMW F650 gs was on the list as the 1150 GS was way to heavy. but decided against it as my 250cc hornet goes faster than that. If im going to keep up with my girl then i need a bit more grunt. Im now seriously looking at a Ducati Multistrada 1000ds. Yeah in my dreams i can insure that. Im a new rider with 1 year experience, dont have or have ever had a car license so i expect it to be pretty high. Im 31 so i got the age thing in my favour. So i do an online quote with RACV-------$3581 fully comp....no chance. Then QBE-------$595 fully comp. WTF ! ! ! ! since im an insurance newbie i dont get how the difference can be so much. I know that the cover with QBE might not be so good but at a $300 excess how much difference could i really expect to get. If my bike is in an accident i will be covered, if it gets stolen im covered. What am i missing for the extra $3000.....with RACV ?