Just got the monster insured with Western QBE. No idea about claims, etc, but here's the stuff they do discount on. 5% discount if member of a riding club. 5% discount if you ride under 8,000km a year. (which I def go over ) 10% discount for named riders + any licensed mechanic. Also the base quote was about $400 cheaper than any of their competitors. $350 excess. I also checked on their policy of "If you leave it unlocked in a public place you are not covered". As long as the keys aren't in the ignition you are covered for theft.