Right, so here is what I found out by playing with the damn comparison websites: 1. Makes little or no difference where you park it overnight (I really don’t understand) 2. It’s all about the value of the motorbike (there are three segments, <£10k; £5k to £10k; and >£5k) 3. The no claims history also makes a difference but not as much as the value of the bike All this for Third Party only and in central London. My conclusion, they just love to take the piss and f*^*k us over and over and over...