Displacement is not the metric that makes sense. A Kawasaki Ninja 600 is a lot more likely to have a loss than my old Yamaha XS 650 twin. There should be classes of bikes, that are insured according to their individual loss histories.
I drive staid bikes in a conservative fashion, and I wind up subsidizing every wheelie popping idiot, darting in and out of traffic on his sport bike.
“There should be classes of bikes, that are insured according to their individual loss histories.”
There are different classes of bikes....insured accordingly.