Damo748
Bike insurance is very very fragmented. Not at all like car insurance - because there is less of it. The trend is towards computerised quotes, but at the top end the rating structures are well out of line with the real world.
What happens - and it is very cyclical - is that as the rates go up, so smaller insurers decide to take a share - they do this by delegating authority to brokers by providing them with a rating matrix and some authority to make decisions. They also have referal teams which deal with bespoke quotes.
What I would envisiage is a model which brings together a number of hungry brokers and underwriters who want to write this type of insurance. It is actually attractive business as far as I can see as Ducati owners pay more for their bikes and look after them (!)
we'll look into the modifications and see what we can do