HUK24 – Risk assessment?

Hello, I have applied for an offer for a Sportster XL 1200 C at the HUK24. The offer calculator has spat out a fair price and also listed the XL and included it in the calculation. So far so good. After I have sent the offer comes the hint that the XL costs over 10,000 (11,050) and therefore a risk check has to take place. After that can be checked whether and at what price it is insured. Hello?? What is that supposed to do? Before sending the offer h at not a word of it! Do you have any experience with the HUK24 on this process? We have other policies at the HUK24. I’m not talking about proposals for other insurers.