I've read a few years ago that they asses risk in some idiotic way.
There was a guy on another forum who went from a naked Bandit 1200
to the one with fairing and it came in a completely different insurance group,
almost 3 times as expensive. Did I mention his new Bandit was the 650?
The explanation? It's a sport bike! The naked one was 'a standard'.
Here in Croatia we got it ass-backwards too.
The insurance premium depends on the bikes engine size only.
It does make sense to charge more for a Ninja 1000 then a Ninja 250..
But when you buy a 1200cc cruiser with a whoppin 60hp, you're not
expecting to pay more for insurance then the Ninja 600 guy.
Not to mention that basic coverage for the 1000cc+ class is $1000/year
in a country where most people don't make over $600/month.
'12 Kymco Downtown 300i ABS, '08 Yamaha FZ6n S2 ABS
SOLD: '03 Peugeot Speedfight2, '07 Kawasaki ER6F ABS, '06 Kymco Agility 125
My Flickr gallery