Over here we got compulsory insurance for personal injury to others only included in vehicle registration . For personal , you buy that for your vehicle , work out a deal with insurance company . The KTM and the H2 are the first bikes I have fully insured since my first 1986 GSXR1100 , back in late 80's . The KTM has new replacement , with none of my extras the dealership re fitted for me . But , because the dealership fitted them , they are okay on the bike under factory warranty . I could get the updates put on the value of bike , but decided not to . The H2 is also new replacement if written off , but that new price value has gone up AU $6K for 2024 , so that is what it is insured for . Some of my bits will be fitted by the dealership , to be okay for the factory warranty , but truthfully , I get the impression the mechanic / tech there ain't the best . So I will get it done , either by myself , or the tuner shop .