first rule of riding; don't fall off (insurance rant) unless you have a brand new bike insurance is bullshit, my first year riding it was $1200 pa to cover a fcukin KLX250 (for fcuken fcuks fcuken sake) and i paid it. 5 years later my R6 cost $5000 when i bought it and the best quote was about $1000 pa for insurance with an unblemished record (NRMA) . and i paid that the first year. thing is i don't write off a bike every 5 years, i have spent about $4000 on insurance for nothing and could have bought an extra bike with it anyway, or a paraglider or some awesome shit. spend the insurance money on another bike instead now i get flamed for being irresponsible PS i forgot about excess which is probably another $1000, if they decide to pay out. Mod edit: thread split from Crashing at a track day.