ins question

[Mi5ter E]

my friend has asked me a question that i wasn't to sure to answer so IL ask u lot lol
when insuring your bike if there has been modifications done to it and you done tell them in the event of a claim were do u stand IE

aftermarket cans/screen/power commander
and if you be honest and tell them how much does it go up by?

[STEALTH52]

as far as im aware if it affects the performance/power of the bike you should tell them as it could invalidate the policy in the event of a claim. i dont think any other extras should affect it such as screens, footpegs etc.

best bet is to ask them as some insurers dont put the premium up for extras but some do.

[richy rich]

im pretty sure if your bike is modified and you dont tell them then make a claim and tell them then you rinsurance will be invalid anyway

[the captain]

when i had the streetfighter i wanted all the mods insured coz of the money id spent on it...USD forks, one off billet yokes the usual stuff......most places were okay with it and didnt charge any extra but did however say that if i had an accident and it was written off they would only replace it to its ORIGINAL condition which kinda defeated the point!

I ended up with norwich union coz they insured all the mods and would pay out for them as long as i had the reciepts.

with regards to systems and power commanders etc, i'd mention it, and if they ask if its a performance accessory say no, it doesnt make any difference performance wise, it just allows the bike to run more efficiently/smoother....if you get any gians its purely coincidental:grin2

bex had an akro on the R6 when she got hit up the arse a little while back...that wasnt declared and she got it replaced, so now shes got a bike akro and a track day akro............lucky cow!!!!:grin2

[kasandrich]

But that wasn't Becks insurance that paid out, it was the car that hit her's insurance that paid out, and as far as a third party claim goes, anything they damage they replace.

[kasandrich]

I have declared the bits on mine,

can, up to 10% power increase,

hugger

undertray

braided hoses

mini indicators on rear

heated grips

made no difference with ebike.

[NitroDaze]

my friend has asked me a question that i wasn't to sure to answer so IL ask u lot lol
when insuring your bike if there has been modifications done to it and you done tell them in the event of a claim were do u stand IE

aftermarket cans/screen/power commander
and if you be honest and tell them how much does it go up by?
Insurers will look for any excuse not to pay out in the event of an accident. I would suggest you take your time to look at their terms and conditions. Most insurers require that you inform them of any modification to the bike. If you already have the insurance, there is likely to be no extra charges. If you are getting a new insurance, then insurers tend to look at the value of the bike with the mods on, any increase in performance and other factors such as competence of fitting(i.e didi you fit it yourself or did a garage fit it for you). All of these are used to deteremine the risk of insuring you. Typically, because of depreciatioon, they should arrive at an insurance value that is not far out from the normal charge. It is always a good idea to shop around.

[Lateshift]

The simple answer on this is that its down to the insurer, one of the first questions you get asked on an insurance quote before giving any other stuff is "Has the vehicle been modified in any way?"

That breaks down into cosmetic modifications, performance modifications which then opens up the questions to the insurance company such as "why have they modified it, does it make it more expensive, does it make it more nickable, does it mean that the person is a lunatic and is likely to hoon around" (you get the picture).

The one thing that is sure is that if you modify the performance of the vehicle without informing them, then in the event of a smash and an assessor having to come and look at it, all the non standard things that are on there will be noted and it is likely the insurer will try to wriggle out of it, because they werent informed (which in most T&C's for any company will tell you in black and white).

Cosmetic mods dont normally carry any increase in premium, performance ones for most insurers do and some wont insure you on anything that has been modded (purely down to the risk factor).

When i get insurance i ask about what mods i can do which arent going to incur any great rise in the premium they tend to be exhausts (road use only) up to a certain value (not normally exceeding the value of the manufacturers original part) and stuff like crash protection (which you would think would get a discount :D )

I have more experience on the car side of life to be honest having been heavily into playing around with them for the most part, i remember my GT4 Celica being a bit of a headache to get the insurance changed after i had uprated the turbo, exhaust system, intercooler, bushes, suspension blah blah.

I literally got them to list it all on the policy and then spent ages haggling about the price and pointing out to them that it was mostly replacement parts for a car that parts were difficult to find on :D

(the fact that i had taken it from 200bhp to 272bhp never got passed on :D )

Insurance isnt there to protect you, its there to keep money in their pockets and protect the third party most of the time, when blame lands on your shoulders so if they can find a way out they will.

My advice would always be to get a quote without the mods and then ask for a quote with other "hypothetical" stuff added to it at least that way you know if its going to sting too much and you also get to find out what they as an insurer find acceptable ;)

[Mi5ter E]

cheers for the info guys ill be sure to pass it on

[Gixxer-TeZ]

There is a thread about my R1 I am streetfightering/making into an unfaired R1.

http://www.essexbikers.co.uk/forum/showthread.php?t=6864

Before I started it back in October, the first thing I did was speak to the insurance. I am with Motorcycle Direct and their policy is mods are ok, just tell them. They wasn't too worried about the cosmetic mods, but performance mods can increase your premiums.

I have taken no chances. I have given them a full list of all mods, and sent them pictures to hand over to the under writers. My premiums actually dropped by £150 ?

Always cover your back and tell them everything.

Here in my bike in it's earlier stages of transformation.

http://img.photobucket.com/albums/v285/essexbikers/R1%20Project/bike-07-01-07002.jpg

[Webby]

Simple answer.[simple person some may say].

Stop fecking filtering!

In my day this was classed as undertaking. ILLEGAL!

Now I do understand that undertaking as such has been removed from the statute books but any biker who wants to argue the toss with me when I'm driving my peopling carrier and they are touching my wing mirrors will find themselves in the floor and facing hefty court costs. [I know the right people see]

[richy rich]

can you honestly that say sit in traffic lucking like a right jock and never ever filter?........ and are you that bloke who started the thing off about cats and got banned???????????

[Webby]

Yes and possibly

[Webby]

And did you have to mention cats?

The fecking bees were enough!

[richy rich]

:grin2 we'll let it slide lol

[NitroDaze]

Webby is obviously a car driver. Never been on bike i think. So his views are of car drivers who don't like seeing bikers passing them when they are stuck in a traffic jam.

So Webby mate, l don't care who you know, if you knock down a biker filtering due to negligence on your part, Road traffic Act say you are going down, either in part or in full. Cos, you cannot say it is his fault because he was filtering.

[Lateshift]

Steady on ;)

Webby is a biker and a mature one at that, just because he doesnt agree with filtering doesnt make him a menace in a cage all of a sudden, it just means that he doesnt care if you come off worse when you dont leave enough room for yourself let alone anyone else, i know most of us who drive aswell as ride get just as annoyed when a bike screams past nearly taking your mirror off ;)

[Gixxer-TeZ]

Have I missed something ?

How did this go from mods and insurance to filtering ?

:offtopic:

[Lateshift]

I did wonder myself, and would likely put it down to a late night posting spree and a few glasses of something that the indians liked to call firewater :D

[NitroDaze]

Apologies to Webby. Your profile do not say much, hence has led me astray here. From one biker to another, please accept my apologies.

Quite rightly, biking is a solitary affair. So we each have to ride within our individual abilities. I know a lot of bikers that simply will not filter, there is nothing wrong with that. It is a jungle out there on the roads, so it is every biker for himself really.

[Lateshift]

and once again peace returns to Waltons mountain :D