When I got my Adv 990 we had our cars (four) and house with West Bend. I called the agent to add the bike. Got a call about two weeks later that the bike wasn't covered and I asked why? She gave me a number to call to find out. So I called and asked why they wouldn't insure the KTM. I was told it's because "KTM's are race bikes" we don't insure bikes for racing.
I thought I would have a little fun with the lady and asked if they insure Harleys? She said sure they are made in WI and that is where we are. I said "but they are made for driving from bar to bar. I wouldn't think insuring drunk riders would be a good idea". It was quit for a few seconds then she asked if there is anything else she could help me with?