Having worked in insurance, unless they agree a value and very few companies do this, there is no point insuring it for little more than book price... A 94 mc28 will probably be worth 2000 to them at a guess, maybe less... It only pushes your premium up for no reason as no matter how many clippings or whatever you send them if it's stolen etc, you'll only ever squeeze a few hundred more at most.
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NSR300R - Why did i ever have a 250...