I have been a licensed rider for 12 months and have clocked over 12,000 km on my vstar 650. I ride with a group of guys all on big cruisers and I now feel my bike is under powered. I get the whole need experience on a bike before going bigger but surely there has to be a better system than thee current 3 years wait. Some riders will clock up little experience in three years where others will clock up hours and hours in the saddle in a short time. Tempted to go bigger anyway but am worried insurance and TAC won't cover me in an accident. Anyone know of any loop holes I am missing here?