I don't have a clue about motorcycle insurance in Canada and therefore I wouldn't feel qualified to comment on it.
However, I have purchased motorcycle for most of the 37 years I have been riding in the UK.
The following link may not be your insurer but may share the same underwriter, and therefore may be relevant. It may be of scary interest to all those who have minor changes (I wouldn't even say mods) on their bikes. LINKY
If an insurer can get out of paying out, they will. I would guess that injuring someone whilst riding with no/void insurance can be quite serious,
Funny enough, insurers don't like riders with a conviction for no insurance. They seem to think that you have fiddled them in the past out of some profit.