A search shows some older threads. I have a few vehicles with Youi already and when enquiring about a quote they have given me a $700 excess but also an additional $1000 excess for a claim within 90 days. That seems "excess"ive and I figure its time to shop around. The extra $1000 excess within 90 days is what's really bugging me. Bike I want to insure is only worth probably $3.5-4K market value anyway so if I bin it I have a $1.7K excess within 90 days.