No it is more expensive because of people like you who can’t wait the extra minute to get where ever you are going. Judging by your attitude bikers have more right to be on the road than you.
“Judging by your attitude bikers have more right to be on the road than you.”
My “attitude” is based on a decision I made regarding whether I should risk injury or worse to myself in order to avoid injuring or offending somebody on a bicycle. It has nothing to do with the cost of insurance.