I got a pleasant suprise yesterday when the quotes came back for my 2007 V-Strom. Eight months with ICBC for everything was $1390..which floored me! The basic from them with $2 million liability for the eight months was $420. The private quotes for collision, comprehensive and including up to $1000 for clothing and breakdown assistance were, for a full 12 months..From Megan Fitzpatrick $399 and from Beacon $325. I have had Beacon before and this is the same rate I paid for my KLR and I put a declared value of $10,000 on the bike. So for a total of $745 I get eight months on the road and an additional 4 in storage. This is with 40 years riding experience and no accidents. Well worth either calling Beacon directly or go through your local broker.