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To be fair a 400 RVF seems to be an appreciating classic. I'm guessing insured value is part of the equation.
My first big bike was a 250 that just about ran, then went to a very unfashionable 400NTV. The one decent condition bike I've owned was stolen.
Sports bikes in London seem to get stolen all the time. I've had neighbours who've lost 3 bikes in a couple of summers. That's happened to a few different people over time.
Airhead
I finally sorted my UK full license out. To discover that bikes seem almost uninsurable in London (no big surprise). How are you guys doing it? Even an old 400 RVF in a fobbed underground carpark seems to be £2k