Same over here.
Bike insurance is a major headache and rip off !
Take my case:
47 years young, professional career, at least 35 years riding experience, had shit loads of bikes over those years.
Reasonable neighbourhood, good safe(ish) place to keep bike.
No "No claims discount" as not had bike insurance for long enough since my bike smash in 2001.
V.experienced road rider.
With my latest Busa I telephoned around for insurance quotes..... after making 10 or more phone calls I had
been refused quotes due to no "No claims discount" on a bike. Not my fault, but no quotes for the Busa.
Couldn't get cover at any price.
So.... I went to one of the main UK brokers and asked about their multi bike policy.
Two bikes for me... one Busa and one Jap classic pre 1980, both insured fully covered for £630 no problem sir.
So how and why is that ? 10 no quotes on my Busa and then two bikes fully covered and no problems.
Thats just one example of how messed up the insurance industry is