Jokers are everywhere. Fact, most people don't have the skills to operate todays litre class bikes as they are intended. Fact two, islands tend to be limited in open road travel. So, why buy a bike that you'll never be able truly thrash? Just going for pimp factor? Last fact, insurance laws are different across the world but one undeniable fact is that c.c. size rules the industry. Lower the c.c., lower the premium.