[lupusreal]

Doesn't seem that weird to me. Having lots of horsepower available doesn't mean you have to use it. Conversely, having only modest horsepower is still more than enough to drive at a truly reckless speed on most if not all roads. The psychology of the biker, their inclination to go fast, plays a more important role than the raw horsepower statistic. It seems safe to assume that people who deliberately purchase a race replica, even one with only modest horsepower, are more likely to go way too fast.

In any case, insurance companies have a monetary incentive to go by the data. Whatever the cause, they evidently have data that says race replicas correlate with insurance claims.

[jajko]

Absolutely. I have a meagre Honda ADV 350 with some 28 HP (can't start biking on higher models in Europe, first 2 years its this or lower level), and hell 0-50kmh is blisteringly fast, 50-90kmh still much faster than our BMW with 245HP in sports mode. Sure above 100kmh it gets slower but I use it for non-highway commute, winding roads through vineyards and such so I don't even ride it that way. It makes bike much lighter while its pretty big for a big guy like me, and being nimble is priceless for enjoyment and safety too.

I literally don't need more, it becomes just an ego or emotions game. Faster only gets you to places way sooner than other drivers expect you to, massively increasing risk exposure.