Was going through the yearly process of getting bike insurance quotes today. When I got a really expensive quote(think it was GIO) the chick who gave it became very talkative about why it was so high. She said that although I have a rating 1 they can only give me 20% no claim bonus because I live in NSW. Wheras if I was in Victoria I would get full no claim bonus. WTF? She said it was because their crash figures for NSW were so much worse than for VIC that they needed to bump up the premiums(by 40%) to cover it. If it was between Sydney and Adelaide I could understand but NSW vs VIC?