Thats a buzz kill.
Very few insurance companys have heard of the Manufactured FYM.
Id also like to see where a RX does damage to something..... and then comes off best....
Pretty much the only way a RX is going to be involved in a accident is someone hitting you...
So what ur saying is if you go to get ur bike blue slipped for the first time with a different engine that it came with, they will say hold on that's not the engine it came with? It just doesn't happen, what gets put on your rego papers is what engine number it has when it gets blue slipped.
There are infact a couple of insurance companies that will cover 125 RXs but if you do swap the engine out for something bigger and its done on the hush then you have an accident they will not only void your insurance leaving you responsible for all damages you MAY face criminal charges.
So lets say for whatever reason you have a get off and you go one way and the bike goes another.Then the bike takes out a pedestrian.Normally the injuries sustained by yourself and the pedestrian would be covered by the 3rd party insurance that comes with your rego(in S.A. anyway).However if the engine number and capacity dont match whats listed in the system via the ADR build info,again the 3rd party portion of your rego will not cover it leaving you liable for all costs.
Now i infact was knocked off my bike a few years ago due to no fault of my own.After the accident i required surgery to fix a shattered collarbone via pins and a bone graft which surgery alone cost almost 12k.Add to that the hospital stay, follow up treatments,physio etc and before you know it you are in a **** load of debt.
As for you saying they wont know the engine has been changed if you rego it for the first time with the larger cc motor think about this.
If i went out and bought a brand new V6 commodore and then went and swapped the motor to a V8 before it was registered dont you think motor reg would now?The vin number the car is built with records all the information required to allow them to know every detail about the car.
Have you ever rang an insurance company for a quote and they ask the vin number of the car?That so they know EXACTLY what the car is model wise,engine displacement wise etc etc.
All im saying is big bore kits, fine no prob as they usually dont have a marked dispalcement on the barrel.But in MY opinion if you plan on doing engine swaps i recomend you do it through the legal channels as i was surprised how easy it really is to do and with the amount of times ive been pulled over on my RX cause the cops want to have a look over it it pays to be legal so you know you will ride away without a defect or having your bike impounded.