BentMikey said:
Is it true that they are something of an insurance risk because they believe themselves to be superior drivers?
My bike and car insurance both went down when I got my Silver RoSPA ADR Motorbike qualification, so on that basis I think I would say no.
Something is that my instructor drummed into me was not to think outside the ride - i.e. any thoughts I have off the bike about how good I am compared to other road users disappear when I get on the bike, and are replaced with the system. On the bike, my brain is constantly running through the system, to the exclusion of random thoughts on the whole.
It very effectively teaches you to asses the situation, and your limitations, and how to ride within that.
"Ride with your head, listen to your gut and ignoor your heart." was one of his favorite sayings.