Well guys, I got this website from R1 Girl's webpage, as she saved a couple hundred on insurance. www.megsonfitzpatrick.com
They will not insure everyone, you need to have had a drivers license for min. 10 years, and a class 6 for at least 4 years. Basically you apply and they review your application and decide if you a good person to insure.
But they do cover ALL mods and accessories, INCLUDING trailer and helmets! They also offer discounts if you have taken riding school courses. I think this is pretty cool, and am going to apply. Once I find out what is going on, I will let you know but check out the website for more details.