Just wanted a general opinion on over-priced insurance for younger riders (like myself). I've used QBE's online quote system to get a few quotes on some bikes I've been considering as an upgrade from the GPX. The quotes I've got back are as follows: 2005 Kawasaki Z750: $1,081 ($350 excess) 2005 Kawasaki ZX-6R: $2,956 ($500 excess) 2002 Kawasaki ZX-6R: $2,117 ($500 excess) Obviously they're not the only bikes I"ve considered, but I didn't want to flood them with queries on every bike that's piqued my interest! But most are along the sporty lines of the ZX-6R (other 600s, older 900s, some sports-tourers). The problem is I don't want to be paying 20% of the bike's value each year in insurance as I think it's unreasonable. The two options I'm considering are therefore either: a) opting for a bike with a reasonable insurance premium (Z750), or b) opting to get 3rd party insurance, and insuring myself (depositing lowest quoted premium in a bank account). What are you opinions on self-insuring? Would I be better getting a bike that is say, my 3rd or 4th preference, if it means my insurance is fairly priced? While this is all a little academic while I'm yet to ride these bikes, I would like to go in knowing what bikes are actually worth looking at when it comes shopping time.