Yes it was crazy not even the guys selling you the insurance knew that, After i switched companies i had Bennett's phone me asking why i didn't reinsure with them i said because you told me you couldn't offer insurance on my bikes so to humour him because he didn't believe me i went through a quote with him after filling in all the usual details we got to the modifications and it sort of went like this, aftermarket exhaust, yup that's fine, all the fairings removed, yup all ok, oversize fuel tank, still ok, modified seat, oh hang on its rejected you let me try again after that he said i'm sorry but you are right we are unable to offer you a quote. Anything fitted to the bike that was not on it when it left the factory was a modification so something as simple as a tank protector if not declared could end with a void insurance with them in the event of an accident, not sure if their like that now though