I have an old traumatic back injury. Long distances? Forget it. My back lasts for about a tank of gas, or an hour, before I need to "stretch it out". So it works good for me at every fillup. Insurance? Just received my quotation this month-full cover=$1,300/yr. Bike is the liquid cooled 2005 s4r-996cc. It was actually quite funny. The first year I owned it the insurer had not yet classified it as a sport bike- so I did pretty good back then! I am a mature rider (at least numerically).How are the 1100 monster for long distance comfort? Ik like the 1200 Now that its liguid cooled. How are the insurence rates for mature (old) riders.