Streetfighter Insurance vs. Stock Insurance

Shouldn't insurance be much cheaper on a naked bike b/c there isn't "2K" worth of plastic on the front end?

I'm not very informed when it comes to insurance companies and how they operate/think.

Any input is appreciated.

usually they have a formula of engine size, bike "New" value, and bike classification (sport touring, Super sport, Touring, Cruiser)

I checked on insurance on the FZ6 and the FZ6R. The FZ6 was $73.00/year cheaper. I assume the boby work makes the difference.

I went down this road recently while insuring The Black Bike. Because many of the parts are custom* I have to document all of my work and show what was put on the bike, and attempt to document the replacement cost in terms of material and labor.

I got some good advice involving bolt-on modifications. If you've purchased parts for the bike, keep all the receipts. Keep photographs of the parts and accessories on the bike. When it comes time to make the claim, you won't have a leg to stand on unless you can prove that these parts were on the bike.

Fred

*custom: (n) A part which was designed and built without mass production, to fit a specific application, and which cannot be ordered from a catalog.

Fred said:

I went down this road recently while insuring The Black Bike. Because many of the parts are custom* I have to document all of my work and show what was put on the bike, and attempt to document the replacement cost in terms of material and labor.

I got some good advice involving bolt-on modifications. If you've purchased parts for the bike, keep all the receipts. Keep photographs of the parts and accessories on the bike. When it comes time to make the claim, you won't have a leg to stand on unless you can prove that these parts were on the bike.

Fred

*custom: (n) A part which was designed and built without mass production, to fit a specific application, and which cannot be ordered from a catalog.

Click to expand...

I'm stealing this for my sig.

fz6joker said:

I'm stealing this for my sig.

Click to expand...

OK, but you ought to fix it, because I didn't do a very good job with it. Try this instead. (I just remembered the difference between nouns and adjectives.)

custom: (a) designed and built without mass production, to fit a specific application; cannot be ordered from a catalog.

Fred said:

OK, but you ought to fix it, because I didn't do a very good job with it. Try this instead. (I just remembered the difference between nouns and adjectives.)

custom: (a) designed and built without mass production, to fit a specific application; cannot be ordered from a catalog.

Click to expand...

If I fixed it then it wouldn't be unique and would look just like all the other grammatically correct text out there.

fz6joker said:

If I fixed it then it wouldn't be unique and would look just like all the other grammatically correct text out there.

Click to expand...

so would that make it custom?

I'm not quite sure. Don't care enough to mull it over.

I use State Farm for insurance and to them the style of bike doesn't matter. All they are concerned with is displacement. In theory it is the same to insure a 599, a FZ6 or a GSX-R600. I have not tested it, but I would love to have a chance to test the GSX-R theory.:thumbup:

My only question is, where are the pics of the streetfighter you speak of????