Steve,
I think the premium is increased because a modified bike is probably a lot more attractive to a thief (although not quite as attractive as some premiums might suggest)
ducatisps,
I was talking about estimated value for the quote, not a payout! I've not had any writeoffs mate!! And I'd strongly contest any underwriter who tried to put me back to my "financial" position before an incident.... the position I'm in before any incident is a bike in the garage, not money in the bank!
I'm off to check that "small print"!!
Anyhow, this thread's being hyjacked, sorry baylissboy! Any luck with a quote yet?