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Only teasing Utopia, you did exactly as everyone else would have done , and me if it ever happens.
The other thing that's making a big difference now , especially if you own Japanese bikes, is that the currency move vs the Pound means that all replacements part prices have risen substantially, so any damage to your bike is costing the insurance company more, and we all pay for that.
I for one back proper risk assesment of the insuree vs the 'oh, you live in Lewisham, that'll be £2,000 please'....
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J.JP
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My Mum says, there's no such thing as Monsters. 
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