Trouble is the two non fault claims I suspect, very annoying , assuming your'e not a motoring journalist living in a war zone! Have you thought about quickly having a couple of kids or artificially aging 20 years?! I guess you've just got to keep shopping around, I'm with Wicked quotes on my SKRR and Bennetts for my GS Adventure, neither company could competitively quote the other way round, not a lot of rhyme or reason to it. Comfort yourself with the knowledge that you are trying to insure one of the ultimate performance machines and that eventually it will get cheaper, or get a GS and pay two thirds less for your insurance!!