I did mention the same goes for my 2000 quid Ninja 650, yet not for my mate who's also bought a 9 grand 2018 S1000R, who is younger than me and lives in a worse area, as well as less NCB....

I get your points but in reality the maths doesn't add up from the insurers' side... And ok, fair enough, but then where is all the factors mitigating my risk? I have tonnes of experience on bikes, certainly more than majority of the fair weather riders who have been riding for 20+ years in 1000 mile per year increments, I'm a motorcycle instructor teaching young people how to ride bikes, surely that qualifies me? Insurers seem to ignore all the factors that would reduce your risk and simply take the worst things they can and call it a day... You could argue no one should be insured because humans as a species have a 100% mortality rate.... eventually... I think I can quite rightly be mad about that...

You said it yourself, there is not that many underwriters, only 4 or 5, some owned by the same people, where is the competition there? They have no reason to compete when young people make up so little of their profits. Question is, why is there not a state alternative then? Interestingly in countries with way higher driver fatalities and accident rates somehow insurance is affordable... Why isn't it here? Free market only works if people have the option to buy things or not, when you NEED to have something, it doesn't matter if there is free market, the necessity means insurers are basically free to pump up prices as much as they want, which is exactly what they are doing, and there is NO control over it. If you're so for insurance, working the way it is, why not do the same for medicine? Who needs the NHS anyway, let the market and insurers decide the cost of medicine and we'll see how happy people are then... After all you don't need antibiotics and insulin, just live healthier!!! Seems to work well enough for the US...

As i said easy for you to come at it when you had to pay pennies all your life for insurance, I'd like to see how you'd like if you were charged £2000 to cut your grass... No offence but I think expecting insurance to not cost more than the value of the vehicle is a reasonable expectation... Story would be different if I haven't already been insured for 3 years on an XR starting at a much younger age. Even with your analogy of underwriters moving on, I was offered quotes from multiple underwriters before, now all of a sudden they ALL moved on? I think not... Coming back to the example of SOME people younger than me not having issues either... And again, seemingly I can't get insured on a 2000 quid Ninja 650 either so where is the argument there? 

Yes - ‘entitled’.

I’ll try to fit your grass in sometime next week - after all, I owe you! 

The word reasonable comes in when as I said it's a legal requirement... Something like insurance shouldn't be a free market, to turn profit, not on the bottom level. At the risk of sounding entitled, I shouldn't be prevented from chasing a hobby I worked very hard to get into because of some sort of baseless risk evaluation deeming me and others like me unsuitable... This wouldn't be so frustrating or weird if all young people were blanket forbidden from owning big bikes but my mate who is a year younger than me doesn't seem to have similar issues and he lives in a worse area than me. GoCompare guy couldn't see any red flags on my profile, no insurers blacklisting me, nothing, so I don't see a valid explanation as to why i'm not being offered insurance. And not just expensive insurance, I mean no insurance period... Even on a blooming Ninja 650... It's easy enough to dismiss this for all the older generation that basically had free reign into getting bikes when they were young, it's almost made impossible to get a nice modern big bike for a young person even if they CAN afford the bike itself..... I've spent close to 5k on insurance in the past 5 years you probably haven't had spent that much in your entire lifetime.....