Insurance has dropped a whole £5 but they have altered the cover and tried to add as much again in extras, it looks like they have dropped trailer cover as well so it’s time to shop around.
That should lock the back wheel nicely when the belt splits and jams itself between the swing arm and the pulley. I'm sure that won't happen if course.
On the Harley the pulley bearing and spacer are one unit and the bearing is available for purchase, measure it and I will check if it is the same. After all much of the Indian is a Harley copy.