How do insurance providers determine the cost of insurance for particular bikes? Is it based on number that have been stolen? Or the number that have been crashed? Just did a couple of online quotes for my imaginary '08 Hayabusa and got 3.5k from IMR and 4.2k from Swann, and that is just ridiculous. My Enfield was quoted at 1.5k and even that was excessive compared to other bikes. Are 'Busas so pretty they just get stolen more often, or is it (more likely I'm sure many of you will say ) that a majority 'Busa owners are giant tools who smash them all to bits before too long?