Hi guys,
I'm looking for a insurance for my new Triple Black now.
Bike will be collected from the dealer next week.
Question, do I have to put panniers, top box and tft screen as a modification or keep it as a standard?
I'm very confused now, because when I spoken with a guy from The Bike Insurance he put everything as extra options and quote me for almost £900
When I did quote on mcn I found few companies for around £500 but not know about extras

Thanks in advance