When I was considering buying my Kawi 750cc Brute Force, I called my insurance company to see how much the coverage would cost. They quoted me about $500 a year, so I bought the thing and took out the policy. A month later they sent me a registered letter saying they decided not to cover any bikes that big, and that my coverage was going to end in about 5 days. I had to scramble, but I managed to find a different company to cover me. I switched my Jeep and wife's car over too while I was at it.
Insurance companies (along with the banks and oil giants) are bloodsucking snakes who are destroying this country a dollar at a time.
I think Pinch is right though. I heard motor vehicle insurance, aside from snowmobiles, is negated as soon as you drive on the ice.