Wow! So going to pickup my first bike tomorrow (Sat), a new VTR250 (a bit excited - can't sleep ) Just grabbed myself a cover note with RACV (I have all my other insurance with them, and they've been pretty competitive on cars and house, etc). But the premiums vary wildly between the three or four I've checked so far. Is this everyone else's experience too? I mean, I expected some variation, but wow! Swan ($265) inc $3000 gear cover Insure MyRide ($383) inc $3000 gear cover RACV $408 (talked them down to $367 so far) eBike $447 Excess is all about the same - $400 to $500. Phew!