Renewal notice just arrived from Carole Nash for my 2003 999R

Their quote, fully comprehensive = £430.42 - Royal & Sun Alliance

Our friends at Ducati Insurance came up with -

£326 FC with Norwich Union including the following improvements -

£100 less on the excess - down to £500 from £600

Protection for my NCB which I didn't have before.

Held a full bike licence for 29 years, currently clean (yes really!) and no accidents in the last 3 years.

How do they get it so low - that's about a 25% saving.

btw - Carole Nash can't beat it