Ian W

I've been looking at these also, specifically the Nexx XR1R Carbon.

After checking numerous reviews, I'm gonna get a better brand like an Arai, Shoei or a HJC.

The reason? Well, it would seem that the features are excellent, would appear very good value for money but the execution is poor and they wear really, really quickly.

I've seen reports of visor mechanisms failing, collars and inserts wearing particularly fast and the plastics / finishing touches being cheap and fragile.

I could be wrong, but for my £300-400 I'd rather not take a chance.

Ian

I didn't say or imply that I was better, only that I am cheaper to insure (statistically) than you or anyone else with points or an accident record.

Is that fair? Yep, it wasn't me that had your accidents so why should I be financially penalised?

Perhaps not, but I don't think you're statistically any less likely to have an accident than me and yet I get penalised.

You talk about 'avoiding an RTC' however on both occasions my car was driven into whilst parked. How could I avoid that?

Both are higher risk than drivers and riders with no accident history and a clean licence, so both should attract a loading on their premium until such time as they are no longer considered a greater risk.

As I intimated in my earlier post, why should I pay extra to cover these people who are statistically more likely to initiate a claim due to their inability to either abide by the law or avoid an RTC?

Slightly harsh to assume you're better than anyone who's been in an RTC just because you've not had an accident.

I've got two that I need to declare to insurers (one down as a fault and one non-fault) and both were when the car was parked up and I wasn't in it.

Is that fair?

I think it may depend on the insurer. Five for points and three for accidents rings a bell.