Yea. That’s a huge problem with custom work on any bike. Insurance companies only are in it for cars and trucks and have no real idea about motorcycles. That and it’s near impossible to keep up with the constant changes a bike goes through with the personal accessorizing. Some do a better job then others. Progressive has a type of policy that can carry a portion of accessories but if you go from a bike to a trike they have no way of figuring expenses, especially if the Trike was a DIY project. Harley has now started selling Trikes as an original VIN’ed vehicle. But you have to buy it as such .