Well they don't ask what the kit's worth- my whole kit cost less than one side of YMD price for standard parts, I'm guessing. My excess is more than my kit anyway so if I drop it, I will have to fork out for new plastics. Any dismount at speed and it's a write off anyway, so who cares what colour it was.
I insured with BikeSure this year - they had the lowest online quote and didn't increase the premium for the aftermarket exhaust, hugger, rear seat cover, crash bungs etc. Good luck - Steve
i use a company called be wiser, i changed my fairings and no bother nothing changed look them up mate they can only say no!