Who are the original insurer and are they refusing to offer you cover on new vehicle. This is extremely unusual if that is the case. It would be a breach of their treating customers fairly policy. Can you provide the full circumstances and then we could give an informed opinion.
As far as the OP described it, his insurer paid out a total loss theft claim on his last bike, value and premium paid unknown. Either way, the contract of indemnity was 'fully earned' as the expression goes, the policy effectively died when the insurer paid for the motorcycle, giving the OP funds to buy a new motorcycle, which he has done. All OK and the OP has been treated perfectly fairly.
Now the OP has bought a new bike, so he has to start a fresh contract of insurance, the old one having died when it paid a total loss claim.
No insurer is obliged to offer terms at all; they are at perfect liberty to decline to quote, demand higher premiums or deductibles or additional security measures to reflect their (not yours, or mine or the woman next door's or my friend's mate down the pub's) view of the increased risk, now that the person seeking insurance has already had one motorcycle stolen and has replaced it with an expensive (desirable to thieves) machine, which he intends to use for regular business use.
None of the paragraph above is in anyway treating the OP 'the customer' unfairly. Indeed, if the OP's account of several other insurers' negative reaction to his request is accurate, lots of insurers are coming to the same opinion. Quite why (the devil is often in the detail, we know nothing about the circumstances of the theft claim, his past loss record, his driving record, the intended business use, his post code(s)... The list can go on) a broad range of insurers are reacting as they are you and I and everyone else can only guess.
Maybe £3000 with a tracker, a chain, a snarly dog and not used on Sunday other than for church, will turn out to be the best quote the OP can obtain after completing his trawl around every specialist insurer, basic insurer and Motor broker he can think of. His new bike is sitting in the showroom, so he needs insurance to start ASAP, that is probably not helping his case.... Rather like emergency tickets for a Chunnel crossing back to the UK, the price might well go up; it's only business after all. And all insurers (like dealers) are only in business to rip their customers off, UKGSer tells us every day, so it must be true.
PS To answer your question as to who the previous insurer was who paid the total loss claim, it appears to be:
Bike was insured through BMW as business use and cant change it now as it will look fishy.
I guess that is the BMW Motorrad policy, underwritten by Allianz, broked / administered by the monkeys at Devitt.
PPS If the OP really intends not to engage the new bike for 'business use' then he is at perfect liberty to declare that fact to his insurer. His insurer may well take into account the lower perception of risk that might entail and reduce their quote. Nothing fishy in any of that. But.....
If the OP intends not to declare business use (it is a standard simple ie. fair question on most basic proposals for Motor insurance) but then regularly engages in ibusiness usage, the insurer is at liberty to void (cancel) the policy back to inception due to non-disclosure, deliberate withholding of material facts... Often treated by the courts as fraud... So, indeed it might well turn out to be very fishy. But, hey, if it saves the OP some cash and fraud only adds £30 quid a year to every other bikers' policy, go for it.
