I think insurance companies factor in how much a bike would cost to repair too. The SCR950 doesn't have any fairing protecting the body so the damage could be more expensive to repair compared to sport bikes? That's just an assumption on my end.
The likelihood of them being totaled outright would make me wonder why sport bikes aren't more expensive : Think squids.
I watched as an insurance adjuster wrote off a nice fellow's new R6 one morning. He'd done a slow-speed lowside at an intersection and broke the mirror, handlebar end, brake levers, foot peg, front fender & right fairing panel.
A tiny tab about the size of a thumbnail was made into the frame to hold a single fairing mount screw. The fairing impact snapped it off. That amounted to frame damage and they total a bike for it. The bike owner declined filing a claim and had his bike good as new for around $800 (IIRC). The broken tab? The fairing didn't seem to need it at all. We suggested he take the bike to a good aluminum welder and have him tack it back in place (a 5 minute $20 job) if he really wanted it fixed.
Some company's products are more to repair in general, too. Take the XT1200 I have. I pulled the front wheel & fork assembly to regrease the steering head bearings. While waiting for my mechanic friend to arrive & lend me a hand with the reassembly, I looked up the wheel, brake, forks and steering components. I stopped when I got to $4,000 and I wasn't finished. There's three grand sitting against my neighbor's fence in this photo. :surprise:
And yet that $13k bike's cheaper to insure than the SCR.