I ride all year through all weathers, I mainly just crash in the Summer, but I did have a Lorry turn right in a left only and run me over which broken my arm and that paid out ok. Luckily my insurance hasn't been high as I was only at fault for one of them, but I dispute it cause they were parked in the middle of a blind 60mph corner, I had to take avoiding action and hit the oncoming car. Had 12 accidents exactly, but I've never been to blame but that one, even then I kept my no claims and my insurance on the 750 only went up to £50 a month. When you're riding constantly it just happens and it has been fewer than once a year. I think PCP has really killed the market, for some reason everyone has been convinced paying loads for something you never own is a good idea? They get a new vehicle every 4 years, and all these manufactures then tell us how they're so good for the environment, while loads of vehicles sit rotting in fields. I fancy a v twin, I've never ridden one before, but it has to check all the boxes of being able to knee down, but be stable on ice. I could ride the GPZ 500s like that... even if it was lethal with the bouncy castle front suspension, I could ride to work and keep it upright. Where my ZX6R and GSXR, the front would go and there was no way of saving it on ice, they were too heavy and it put you over the front with the weight.