Join Date: Dec 2000
Location: Runcorn, England
Motorcycle: 2014 Triumph Street Triple R
I think it's only come renewal time that they'll increase the premium.
IIRC, after a total loss they make you pay any outstanding premium then cancel the policy, but I could be imagining that.
If I were you, I'd be pricing up the parts myself and comparing against the cost of higher insurance premiums for the next 5 years. Suzuki body work is suprisingly cheap (or it was for the SRADS) and you can do it bit by bit if cash is an issue.