Yup- I reckon 5000 miles, minimum, in order to get the NCB that year. Even if they're insuring it for 5000 and actually riding 200, at least they're paying the extra to compensate for their increased risk. :)

Clearly the lenght of time you've been riding and the level of experience you have are totally different. From the insurance companies' perspective, the only measure they can reliably take is the length of time you've a) held your license and b) been insured. They can't determine your experience with any reliability, it's not like we hold pilots' licenses where hours in flight are recorded.

They could get an approximation of our mileage based on how many miles the bike has been insured for, for each years ncb claimed (if we only do 1500 miles a year, we're unlikely to of insured it for 12,000 a year).

Re: the point about the places we ride (eg someone who does 90% of their miles on a motorway is less experienced than a same mile rider who does 60% in London) could be seen to be offset, to some degree, by the fact that the person is likely to continue this pattern (eg stick to what they're good at/used to) unless they move, or their job changes.

At present it is too difficult for them to work all this out so they use wide generalisations to come up with a premium.This is not ideal and I understand the frustrations that come from it,but consider the consequenses of the alternative before you demand change.Very soon we will be offered "pay as you go "insurance with a "big brother"tracker following your every move and calculating the premium accordingly.You dont need the ramifications spelt out Im sure.


My Motto----Be carefull what you wish for,you might just get it.

Yes, I'd hate to see the GPS-thing become wide spread (you can imagine it, can't you, 'sorry, your insurance is invalid as our gps showed you were doing 76mph on the motorway, two days previously'). However, should this come in and become mandatory, using it to get a better idea of people's experience might be a 'silver lining' (although not neccesarily one they'd use :? ).

Big Brother taking over IMHO.Id sooner emigrate than live under the yoke of these people knowing the ins and outs of my life.It wouldnt be so bad if we had a right to privacy in this country but we dont.The information gained from this and other similar technology becomes the property of those that gather it and they can sell it to anyone.And they do.

As per
 

As the original post was mileage--experience surely the two go hand in hand The more mileage a person covers I would anticipate the better their "road awareness" but the other thing to consider is your insurance track record,even no fault claims most show as time consuming in the insurers records and the higher your mileage the greater statistical risk you are Also the area you live in has a substancial bearing on the premiums
When I moved from Greater London out to Witham my insurance on both bike and cars dropped by about 40% which is crazy because I now commute the 44miles each way [88x5=440miles per week] My annual mileage is about 30K car and 8-10k on the bike,plus another 65-75k in a truck Statistically a bad risk but because of my record over the last 30
plus years I pay very low premiums Even my commercial policy is £2500 less than some of the people I work with
I can only conclude that age,experience mileage factors are all taken into account when the premiums are calculated,but what do I know