I'd check that policy carefully. Either they have changed their tune or something is amiss. My experience a couple of years ago mirrors others here. AMI despite being a good insurer & having a long history & all my insurance would only insure my bike as if it was a road bike. Couldn't comprehend the off road or race bike need.
Is it modified? (exsqueese me?)
Rego?
Called for branch manager (I was close to fuming) & he was adamant that it was pretty much the case. So ended up as like 1/3 of the purchase price a year. Feck off!
Decided to go spend that on security.
Don't you look at my accountant.
He's the only one I've got.
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