A bit like yourself I'm just in it for the insurance discounts but I have learned plenty too, roads are a minefield and being on a bike has really opened my eyes. One thing it has definitely done is give me more confidence, also found it when out on the mtb when I do have to be on roads although I avoid that where possible
When IAM are looking their £ I'll price it with and without, the membership fee might not be doing a lot for me. £150odd I paid last year and I can't see it getting a great deal cheaper. Might be pleasantly surprised though
Mine was with MCE but I went with Cornmarket there, pretty much half the price of my first year and they matched the usual extras like helmet & gear cover so be interested to see if I do pass the IAM what it brings it down by
The insurance for my Hornet 600 at age 19 was around £800 if I remember correctly. Got Allen’s Honda to fit the 33hp restriction kit, rode her home and removed it straight away. I just wanted the certificate to say it was done for insurance reasons if they asked. Never did mind.