I have been riding bikes for 49 years this year and have the Honda ST1300 pan European. Until I retired I paid £144 approx. As soon as I reached 65 I was No longer insurable with the company I have been with for 10 years. I tried various companies and they started talking in telephone numbers. Finally found a company through Local bike shop with a company quoting £303.70. Took it, but next year bike might be for sale when first MOT due.