n.b. tl;dr at bottom of post. Good day sirs/madams, It's insurance renewal time for me so I've been doing some brief hunting around. My ride is a 2008 Ninja 250r and I'm currently insured with NRMA (full comp.). At present I pay $970 for full comp. which includes a $1500 Rating 1 discount. So if I did not have a rating 1 it would be $2470 (side note, this is my first comprehensive insurance ever. They gave me a rating 1 based on previous 3rd party no claims.) I called them today to inquire about two things. Do they offer a discount for riders who have completed an approved training program? Also, do they offer a discount for bikes that are fuel efficient like they do for cars (They have a list on their website of approved cars, must fall under 5.5L/100km)? The answer to both those questions was a clear "no" even after discussing with her manager. I asked why and received a "just because" response in reply. So because I'm all about boycotting these days I'm now looking for a new insurer. Someone who recognises the efficiency benefits of riding a small bike and is willing to apply a discount for recognised training programs. Does there exist such an insurer? Or do I just keep doing quotes till I find a cheap one? tl;dr: NRMA don't reflect rider training or efficiency benefits in quotes. Who does?