Check out this thread for Insurance cost debate;
http://www.ukmonster.co.uk/monster/s...&threadid=5309
As for servicing, only had one so far (the first sevice at 650mile approx). Riverside Northampton, an official delaer, quoted £100 approx but charged about £80 when i collected it. Even so its a lot for an oil change and a load of checks.
I'm not looking forward to the first major service, £400 ish is twice what i'd pay to service my car at a VW dealer!
However, its all worth it just to ride a Monster, best decision I've made in years.