My partner started riding last year, and ended up buying a Bug Espresso with finance. After a couple of quotes (I don't think we looked at WQBE for her at the time) we ended up going with IMR, who charged just under $1300 - yeah it sounds steep but with a scooter, under 25, no NCB and on finance it's a little hard to get it cheaper. Fast forward a year and she gets her greenslip and rego notices and realizes that the insurance is also coming up for renewal. We start looking at other companies, and assuming that she would end up with Rating 5 we asked for quotes on that basis. WQBE come back with a quote around $850 (still steep, but better than other places), so we decide that a little closer to renewal date she would go with that quote. A couple of days later she gets the renewal notice from IMR, which comes out at a bit over $900. Since she was going to go with WQBE anyway we don't pay too much attention to it, but then I notice the number next to "No claim bonus"... 45% :?: :?: *much swearing on my part* After one year of insurance she managed to go from Rating 6 to Rating 3, something that usually takes three. My questions are: 1) For those with IMR already - is this normal? It strikes me as extremely unusual that they would give someone 45% after one year. 2) If she was to take this to WQBE for a revised quote, would they accept it?