So there are a few threads at the moment about how as riders we develop a much better ability to look out for hazards than other road users. I would bet that every one of us takes these skills into our driving. I would also bet that that the annual accident rate for riders when they are driving is far far lower than other drivers. So the question arises; why do riders pay the same price for car insurance as everyone else? They take in to account age, sex and driving record when determining premiums. Why wont they take into account whether you an experienced rider when determining premiums? I would think this factor would account for far more variation in the likelihood of an accident than the above variables. Have there been any studies showing that riders make safer drivers? It seems obvious, but I would love to see some proof. I don't know of any insurance companies that take this into account but are there any?