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Oh and of course those of us with older bikes can go for an 'agreed value' policy which will perhaps offer a more realistic value should a claim be submitted. In particular a total loss one where most of the Ducati Performance parts on my old '97 900 for example are no longer available and commanding silly prices on eBay and the like when offered for sale.
Keep receipts, save auction and sale price details and be prepared to argue.
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You're perfect, yes, it's true- But without me you're only you!
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