Yep my mate that had his GSX-R1000 pinched probably should have had insurance. I wish he did. In my book this is a case of "He should have had insurance." A guy in my appartment block bought a R1 about 6 months ago, in that time he had crashed it 3 times, the lastest was on Sunday. Going too fast saw the round-a-bout too late and went into a tree. The bike is mangled and he got away VERY cheaply with only minor grazing on his right knee even though all he had on was a helmet. More than likely this will be the second major repair job (first two crashes happened on the same day so only one repair there). In my book this is a case of He "shouldn't be allowed to get insurance." Same again, my mate from above has been helping his brother out loaning him his commodore while he was riding the bike around. His younger brother wrote off my mates car twice. My mate cops the insurance headaches while his younger bother gets cheap insurance down the track. Again a case where the younger brother "shouldn't be allowed to get insurance." Those that deserve the coverage are screwed (sometimes even if they have the coverage) while those that don't deserve the coverage and yet can still get it, screw the rest of us who are less prone to unforsee circumstance.