For the most part, motorcycle polices don't vary the premium whether it is "Pleasure" use, or "Commute" use. Likewise, motorcycle policies usually don't vary the premium based on your annual mileage. If you were to write off the bike, unless you have a defined payout policy (VERY rare except for show vehicles), you will be paid the market value of the bike (which has nothing to do with your stated value with the insurance company or the purchase price with the MTO).
Don't worry about the mileage this year. At renewal, I suggest you tell your broker/agent about your new commute and annual mileage, bt I'm guessing it won't affect the premium anyway.
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