Crazy Insurance Quotes Time

Just got my renewal quote through which of course is a little higher than last year despite myself and probably everyone else having ridden almost zero miles in the last six months. Shopped around on line and lots of super cheap quotes untill you declare that you have upgraded suspension and then they triple the quote. Hers's the thing; the standard rear shocks come to over £ 800 compared to the £595 of the KTEC and then the standard front cartdridge parts would be over £770 as opposed to the £595 for the KTEC ones so I am doing them a favour by fitting cheaper to replace items but they want to charge more!