Age = 43. Live in very low crime postcode. Bike kept chained to railings in communal car park (flats). Back to bikes only 2 & a half years ago, so still no NCD. I have 12 years NCD on cars - don't know if this makes any differrence.... Anyway, my insurance with Just Bikes last September was around �280 comprehensive. I expect it to eventually go down assuming I don't claim......
Only advice: come renewal time - shop around & compare!