Welcome to the world of UK insurance,I can hardly remember being 20 years of age!!,but if I ran an insurance company I'd never insure a 20 year old on anything never mined an XT!!.

If it's any concellation,I'm old enough to be your grandad,my father died last year,my 83 year mother was insistant on keeping his old car,between my wife and I we already run 4 bike's a car and 2 vans,we have full no claims on everything,but I had to start from scratch on a 13 year old car thats worth 600 quid,the first 3 qoutes were all over �1300,in the end had to pay �550,I suddenly remember when I was a kid trying to insure a bike and the guy on the end of the phone was saying 'You want to insure what sonny'