I have had a dirt bike stolen, it sux. The majority of these bikes just disappear never to be seen again. I have never been offered a stolen dirt bike. If you get your bike back consider yourself extremely lucky.
I have been doing this for years now Every time I have saved money. Complacency is costly. If you change your insurance provider make sure you are getting the cover you want. Policies can differ in content. Insurance company’s suck!