modifications

Following a rather hefty claim in August (my fault; lost all my NCD) I get my new (to me) R1200RS on Friday. Unsurprisingly, the insurance quotes are no joke, so I've been really shopping around trying to find a decent deal. I've obtained a load of online quotes from the usual suspects...

Well, my insurance is due soon and i've started trolling the comparison sites for quotes. As usual there is a conundrum of questions about modifications. Some companies class things like luggage cases and engine bars as mods or don't offer the choice of Accessories. What do the Tossers here do...