Market value of your bike?

[Hitcher]

I suppose better brakes were not part of the planned upgrade

Or the better low beam headlight.

[R650R]

One thing to note is what you have called 'extras' is what the insurance companies call 'modifications' (except for the drive chain etc). Not declaring them can result in grief...
Finally insured the DR as I realised that I wasn't going away on it as too scared to leave it outside motel etc and the price for a new one has gone up since then by a good grand or so...
Anyway mine is insured for the value of what I paid plus the extras I have put on it, now this is from the start date of ins so no doubt they will take into account mileage since then, wear and tear etc but at least its good start point.
Must be a lot of fraudulent driveway claims as there is a large excess if stolen from home WHILE NOT locked away inside shed. Asked about the big city issues and apparently i'm covered if visiting etc but apparently those that park in city in same place everyday do have trouble getting cover for that if any...