I've asked around and have come to find that most bigwig private insurance places will only take you on if you have 10+ years of riding/driving. Is there an alternative for someone that's been driving for 4-5 years? I've had my class 5 since 2002 but have only had my class 6 since 2004. Any suggestions? And what are the benefits from private insurance - I am aware that you have the chance to insure all your gear, as well as its somewhat cheaper.