[Jez900ie]

Flip I'd start with watching ebay to see what bikes of your year fetch. Then you decide whether yours is better or worse than those you see which sold.

As I mentioned earlier, I estimated a 2002 900ie has a trade value of £2K. I then listed all my major upgrades and totalled up what they cost (replacement value of £5K. With that done I decided that I want £5.5K if my bike is stolen/ written off etc.

I sent the list of mods, photos etc together with my valuation and the insurers -Bikesure- said they would gurantee to pay that amount provided I paid an additional £35.

Now the actual value of my bike is of course only whatever someone would pay for it. My valuation is the amount of money I would need to stop crying if disaster happened. Its also an amount I thought the insurers would gamble on; would they have refused if I valued my bike at 10K? Would the premium have been an additional £100 if I asked for a higher value? Also the theft in your home area will be a key factor for them to consider.

So I wouldn't over think it. Check the market, work out what money have in the bike & decide on the value you want & can justify. Then hopefully the premium will be in a range that is acceptable to you.

I hope this helps, and its what I ought to have written previously - sorry.

JEZ