Lexus UX 250h ca. 18.000 km driven

After I had understood all the driving characteristics (on the steering wheel) and now mostly ride with them. I hold the Lexus UX 250h for very good! Last Sunday I was in the Harz (without snow). I had switched to sports and overtaken all cars in front of me! – Since I used to know all the routes with a BMW R1200 motorcycle, I was able to ride the routes with a proper “steam”. – The entrance automatic helps enormously. But I can say that the Lexus has all the curves and overtaking maneuvers. In the meantime I am 80 years old and my ride stick can be seen! (for the people who do not trust an 80-year-old)! I am accident-free about 1.500.000 km car and 200.000 km motorcycle driven) In Hildesheim now drive 3 Lexus UX250h. A car with rarity value – I like that extremely well! One question: Why is the insurance: liability and all-inclusive so expensive! Over 1.000 € For a PWW purchase price by the 40,000 € (less 8,000 transfer price) Premium)