I just wee-wee all over swings and roundabouts. Gets the kids back for playing knock down ginger.

No, but back to the question, Kebab has pretty much hit the nail on the head. They make it up as they go along.
RiDE refer to it as a 'half-faired street bike'. If you look in RiDE, what RiDE call a 'sportsbike' is yer Blade/ZX10/R1/Gixxer1000, all of which are NU17 compared to the Fazer's NU15. (NU15 is where yer CBR6/R6 etc all come in too). Apparently a Hayabusa is a 'sports tourer' according to RiDE and is NU16.

Insurance companies always ask about mods. (What group is a Vespa?!) Thing is, just cos something's not bog standard doesn't mean it counts as 'modified'. They tend to be interested in things which (in their view) either increase the performance or the nickability. It's best to tell em exactly what you've done and let them decide, though in my experience, road-legal aftermarket cans, bellypans, huggers, scottoilers, posh levers etc do not affect the quote. Not sure what happens if you've had any Ivanising etc, but I imagine they would bump up the price a bit if they knew.

Some insurance companies fall into the "compooter says no" bracket and anything you say makes the 17-year-old girl operating it have to go and speak to the manager (who only knows about Mondeos).If they're like that, best find another company. I tried to get a quote on a Triumph Daytona 955i (Centenary, ie green with the single sided swinger). Cos it wasn't mentioned specifically on their list, instead of assuming that it was the same group as the ordinary Daytona 955i (which it is), they decided it was a 'special' and hiked it up to NU20. Muppets! I told them where they could stick their quote, but then ended up with the Fazer anyway.

I've always found H&R to be polite, helpful and sufficiently clued up that you can discuss whether your 'mods' are 'accessories' or 'performance enhancing'. And they're all nice ladies with scottish accents.

Real women don't have the surname ".JPG"
Edited 1 time by hotmetal Jul 7 10 2:50 AM.