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General MODIFIED EXHAUST vs. INSURANCE ??? General

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dodojanik

Joined:

Jul 08

Posts: 12

dodojanik says:

MODIFIED EXHAUST vs. INSURANCE ???

...are you telling your insurance company that you have a modified exhaust or it doesnt really matter???

...does anybody have experience as fx: had a accident but did not tell to the insurance company about the racing exhaust on his bike? does the insurance company check details like that after a accident? and if yes what happens than?

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  • Posted 7 years ago (03 August 2008 19:02)

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steveb

Joined:

Aug 02

Posts: 809

steveb says:

Tell em.

Some insurers don't like race cans, and won't offer cover if you have one fitted, others couldn't care less. Its not worth having your policy voided in the event of an accident for the sake of a couple of quid up front.

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eatcs01

Joined:

Aug 02

Posts: 3272

eatcs01 says:

Declared.

I've declared my full Micron Stainless road legal system on my ZZR.

BUT, That's in the insurers best interest, because a set of OEM downpipes (without cans) are over £600. A micron system is approx £300.

 

The theory for me is, if my bike gets stolen, then ALL my extra's are covered. But they aren't "performance enhancing".

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Des_Fireblade

Joined:

Apr 08

Posts: 1047

Exhaust mods

dodo

Tell the insurance company everything. If you are in an accident they may void your insurance if there are any undeclared mods (even if it does not give you a power advantage!)....be careful!.

I declared my new Yoshimura R77 exhaust system on the 08 Blade (with Express Insurance). No change to the premium, but if it gets damaged they will only replace with the standard exhaust!!.

http://www.yoshimura-rd.com/ps-3683-1316-r-77-stainlessstainless-full-system-stainless-endcap.aspx

Des_Fireblade :smile

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aphmitchell

Joined:

Jan 08

Posts: 274

aphmitchell says:

.

I use express insurance. They said that you should tell them if you have a slip on and that it would not make any different to the insurance. Quote: 'it should not enhance the bhp of the bike'. A full system would be different.


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vulcanrog

Joined:

Oct 05

Posts: 4571

vulcanrog says:

The best advice on this thread is ---

tell them ! anything that's considered an engine mod MAY invalidate your insurance, not telling them gives them a way out of paying up in the event of a claim. Even something as simple as a power commander needs to be notified to them, I fitted vance & hines & a power commander to my VN 1500 & Red Star wanted to know but it had no effect on my premium.

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