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Interesting that people here don't mention the type of coverage they have. Coverage goes way beyond Liability or Full. The amount of coverage is a major factor, and often quotes that are really low, aren't covering much, or they have very high deductibles. Comparing nothing but cost between companies without full disclosure of the coverage means nothing.

I pay $334.49 USD annually on my 2001 CBR929. Here is what I get from State Farm

Bodily Injury and Property damage liability: 100/300/50
These numbers are important and can often be much lower to make insurance seem cheaper. These mean I have coverage of $100,000 bodily injury liability insurance per person, $300,000 total bodily injury liability insurance per accident, and $50,000 property damage liability per accident.

Medical Payments Coverage up to $1000
This is used to cover any co-pays for my own medical expenses

Comprehensive coverage with $100 deductible
This covers damage to my bike in an accident where I have hit another vehicle or object

Collision with $250 deductible
This coverage is damages or loss of my bike to anything other than a collision (theft, fire, vandalism, weather, etc..

Uninsured Motorist coverage 25/50
This covers me in cases where an uninsured motorist is at fault. This basically takes the place of the liability insurance they should have had. It covers up to $25,000 bodily injury coverage per person and $50,000 bodily injury per accident as well as $10,000 property damage coverage
Hi.
I notice that insurance is a big difference between countries.
If you insurance a bike in Sweden it is just about the bike.

Then on side i have Life insurance and other part on separate insurance.
 

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125$ for 12 months 93 900RR liability and property damage. I should change it to "actual value", by adding up all the time and $$$ I have into it.
And therein lays a problem for many, because an actual value in most cases will far exceed a 'book value' or a bike modded without necessary notifications to insurer.

That aside, those of us with 'mint' early Blades (or other bikes) suffer serious penalty if we do not pay for a declared value. Insurers do though, in my experience, ask us the value of the bike, to which we can advise accordingly. However, that value would probably be eroded and denied via the fine print and asterisks within the policy's Terms and Conditions.
 

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However, that value would probably be eroded and denied via the fine print and asterisks within the policy's Terms and Conditions.
I specifically asked insurance this question. I was going to restore the fairings and asked insurance what would be covered. they said i could add anything i wanted and they'd just charge a premium. then i asked what they'd pay to replace things and he said up to 75% of the bikes value. That value, he said, was based off market sales for the year and mileage, nothing else. so you'll pay to have all the bells and whistles covered and then they won't pay you for them. at least that's what i got from progressive in the us. i can't speak for others.
 

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I specifically asked insurance this question. I was going to restore the fairings and asked insurance what would be covered. they said i could add anything i wanted and they'd just charge a premium. then i asked what they'd pay to replace things and he said up to 75% of the bikes value. . .
Ah yes. That's jogged my memory.

A few insurers I have dealt with here generally state that in the event of a claim, they will pay for a 'modded' bike to be returned to standard. In other words, if we claim on a bike with a Yoshi full system, we will be compensated/repaired with only OEM parts.
 

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In terms of 💵💵💵 , certain OEM stuff will far exceed the cost of aftermarket parts. So that could be a bonus. And for my archaic bike, nothing OEM is available, so ill take the OEM price for an entire fairing set (hypothetically speaking) or complete exhaust any day, knowing that an aftermarket fairing set (although weaker and not perfect) would cost as much as one OEM side panel lol. I'll have to look deeper into what my Progressive policy allows. I knew 25 years ago if I could account for the cost of the aftermarket parts and had a value for the labor performed they would compensate on that. I have no idea what it's like now.
 

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For vehicles a few years old, insurance doesn't use OEM parts. Progressive said they wouldn't out more than 75% of the market value of the bike into repairs. You wouldn't likely get much for an older bike after deductible
 
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