the two oils car and bike are designed to run at different tempratures' and there are different types of cleaners and de' clogging ingredients between the two types. bike oil usually has to work a lot harder than car oil so is better refined and so costs more.
well mate there is no clear shortcut. i am 39 years old and have just insured my 2000 r6. just under 200 quid third party. i am insured with carol nash. they seem quite reasonable. but variables like age and how long licence held matter. i have had my licence 22 years now. how much have you been quoted?