Well my insurance through bennets was when i just started riding, i had no no-claims obviously but i was still only quoted 1150 notes so i dont know what is going on with your insurance. The only way mine becomes bad is fully comp, bout 2300!!! Just have to go on those quick quotes on the net or ring up and lie a bit. If u r quoted by norwich union 4 example on the phone then go to the nxt people tell them norwich union have quoted u, but knock a couple of hundred off the quote and the other people may drop theirs slightly to get u to sign. Best of luck!