Transfer information to insurers database omits information, crashes, or completely different so, BE WARNED CHECK! Nice to get flexibility, because insurers just give quotes for their answers of their questions.....vary your information, as it does make a difference, but be honest. Some policies charge the same for motorcycle add-ons, some do not. Even reducing the excess we are willing to pay reduced the premium, for me.....I know, counter-intuitive! I still don't know how safety items like hand heating, mud guard (to stop rust, ejection of stones, called Huggers), chain lubrication systems (scott Oiler, mostly advertised) are charged extra.......boy racer stuff apparently!