Re: Insurance question - Does being a year older necessarily make it cheaper?
Bennetts have an on line calculator that once you have entered your details you can go back and modify, even changing the bike. Would be worth running some figures through it to see the difference. check for alarm / garage and mileage changes as well to see if they make a difference.
At my age, changing from a TS185 trials bike to a Honda firestorm would cost an extra £50 pa, hardly worth worrying about but there might be a difference at 23/24 yeear of age.
Pete
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